Third Party Only (TPO)
This category provides compensation to people who have been injured or had their property damaged by the insured vehicle. It does not compensate the driver and passengers of the insured vehicle. The law requires all vehicles to have at least this type of insurance as it provides financial compensation to the general public in case of losses caused by motorists.
We offer 2 types of Third Party Insurance covers
- Third Party, Fire & Theft (TP&FT)
- Third Party Only (TPO)
The main difference between these is the scope of the cover that the insured party enjoys, with the minimum legal requirement being the TPO. This covers the insured from liability arising out of the damage to third party persons and injuries caused by the insured vehicle in the use for which it is insured.
This liability is the most common insurance claim; it arises out of small to medium road accidents where the insured has:
- Damage to property that belongs to other people like vehicles or buildings
- Death or injury to pedestrians or public
- Death or injury to passengers.
Please note that this type of insurance protects the interest of only third parties, not yours.
FAQ
1.Do you add any commissions on your prices? No, the motor vehicle insurance quotes you see are the lowest rates negotiated from our panel of insurance companies in Kenya. These are exclusive motor insurance rates and you may not get them elsewhere in Kenya.
2. Can I pay the premiums in installments? If it’s not possible to pay the full premiums in full, you may pay 50% of the premiums, the provider will issue a 1 month policy which is then extended when you complete the payment. In addition we can arrange an insurance premium financing, on this scheme, you pay a small cost to get financing from an institution.
3. Can I get a courtesy car in case my car is in the garage? Yes, you can add this optional benefit along with other benefits like personal accident cover, extra limits for windscreen damage and radio cassette damage.
4.Do I need the valuation of my car? Yes, valuation of the vehicle is required to complete the car insurance policy. On your quote for car insurance, we will use the closest known market value of the vehicle and once the cover is placed, we will issue a valuation slip which you can use to command a FREE valuation at the appointed valuation outlet.
5.What’s covered on this policy? This policy will cover fire, theft, accidental damage to the vehicle. We advise that you include an excess protector and political violence cover to your policy to make it fully comprehensive.
6. What if I have more than one car? Congratulations, you might be able to qualify for a discount on your car insurance by taking out a multi car policy. Most insurers give discounts to owners of fleets(more than 2 cars). Are you good driver? If you have a low claims ratio, you could qualify for a further discount on your car insurance quote in Kenya.
7. Will you handle my claims? How long does it take? Yes, our claims team will assist you in the unfortunate event that you have a claim. For small claims, you can expect to have it processed in less than 5 working days if it’s been fully documented. Rest assured, our team will make sure you are back on the road as quickly as possible.
8. What documents do I need ?After reviewing and agreeing to our quote for motor insurance, we will need a copy of your National ID/Passport, KRA PIN and logbook of the vehicle in order to place your car insurance. These are required for Know Your Client (KYC), mandated by financial regulation in Kenya.