Understanding Private Motor Insurance

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Understanding Private Motor Insurance

Private Motor Insurance is a type of motor cover designed for vehicles used strictly for personal and domestic purposes. This includes commuting to work, family errands, and social use—but excludes commercial activities such as carrying passengers for hire, deliveries, or business transport.

What Does Private Motor Insurance Cover?

Private motor insurance generally comes in three main options:

1. Third Party Only

This is the minimum legal requirement in Kenya. It covers:

  • Injury or death of third parties

  • Damage to third-party property

It does not cover damage to your own vehicle.

2. Third Party, Fire & Theft

In addition to third-party cover, this option protects against:

  • Fire damage

  • Theft of the vehicle

Accidental damage to your own vehicle is still excluded.

3. Comprehensive Cover

This is the most extensive option and includes:

  • Accidental damage to your vehicle

  • Theft and fire

  • Third-party liability

  • Optional benefits such as windscreen cover, excess protect, political violence & terrorism (PVT), and courtesy car

Why Private Motor Insurance Is Important

  • Legal Compliance: Required by law to drive on Kenyan roads

  • Financial Protection: Shields you from high repair and liability costs

  • Peace of Mind: Ensures you can drive confidently knowing you are protected

Factors Affecting Premium Cost

Premiums for private motor insurance are influenced by:

  • Vehicle value (sum insured)

  • Age and condition of the vehicle

  • Type of cover selected

  • Claims history

  • Valuation report (for comprehensive cover)

Key Things to Note

  • Use of the vehicle must match the insured class (private use only)

  • Any material change (e.g., change of ownership or use) must be disclosed

  • Valid valuation reports are required for accurate cover and premium rating

Conclusion

Private Motor Insurance is essential for protecting both the vehicle owner and third parties. Choosing the right level of cover ensures financial security, legal compliance, and peace of mind on the road.

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