personal motor insurance in kenya

Motor Insurance

This type of insurance protects insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen.


We offer the following 3 types of Motor Insurance cover:

  • Third Party: Covers third party bodily injury and property damage arising out of a vehicle accident. This covers unlimited liability for Third party personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act. No cover is provided for any form of damage to the policyholder’s vehicle.
  • Comprehensive: Covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle. It is the widest cover available.


We shall cover you against the following:

  1. Accidental loss or damage to own vehicle arising out of Impact damage or collision, overturning, Fire damage and/or Theft of whole or part of vehicle
  2. Third Party Liabilities – legal liabilities arising out of ownership or use including Damage to property belonging to other people-vehicle, buildings, Death or injury to pedestrians or public and/or Death/ injury to passengers – passengers’ legal liability
  3. Emergency Medical Expenses to driver or passengers or pedestrians following an accident
  4. Damage to vehicle in custody of motor trader or other service providers
  5. Personal Accident to the Insured person only
  6. COMESA Extension
  7. Excess Protector
  8. Towing & Recovery
  9. Radio Cassette Extension
  10. Windscreen/Window Glass Extension

EXCLUSIONS FOR MOTOR CYCLE INSURANCE The risks not covered under our motor cycle insurance are:

  • Loss of personal effects
  • Personal accident cover
  • Use in connection with motor trade
  • Racing
  • Use for carriage of passengers for hire/reward
  • Consequential loss
  • Loss/Damage to accessories/ spare parts by theft unless motorcycle is also stolen
  • Damage to tyres
  • Depreciation Wear and Tear
  • Mechanical and electrical breakdowns
  • Loss of use


  • Duly Completed proposal form
  • Copy of ID
  • Copy of Pin Certificate
  • Copy of Logbook
  • Premium Payment

How to Make A Claim

  • Report to a Majani Insurance Officer who will direct you further on claim process.

REQUIRED DOCUMENTS The following documents are required for each category of claim as below listed:

  • Motor accident claim
    1. Duly completed claim form
    2. Police abstract report
    3. Copy of driver’s license noting when test passed
    4. Copy of drivers license noting that license is valid at the time of the claim
    5. Copy of the log book
    6. Statement form
    7. Declaration form
  • Motor Theft claim
    1. Duly completed motor theft claim form
    2. Police abstract report
    3. Copy of drivers license (if applicable )
    4. Copy of the log book
  • Car Audio / Visual Equipment
    1. Motor Theft claim formduly completed
    2. Original replacement receipt
  • Windscreen claim
    1. Duly completed windscreen claim form
    2. Original replacement receipt
    3. One Photograph before and after

what our customers say

Jane Wacuka

Triptrek LTD


Efficient and Trustworthy:

It is always difficult to decide on an insurance brokerage company in Kenya based on two factors; Trust and Efficiency. Majani Insurance Brokers have demonstrated efficiency and have built a history of trust with their customers and I am glad to be one of them. With their various insurance covers, they have been instrumental in the growth of our company and its portfolio.

Mark Oloo


Farm Insurance

Compensated on Time:

Waiting for compensation from insurance firms can be extremely challenging, and the duration it takes can be heartbreaking for most individuals, that is certainly not the case with Majani Insurance Brokers. They ensured that I was compensated on time and got me back on my feet within no time.

We Work With the Best Insurance Companies in Kenya

Whichever insurance company you choose you are guaranteed of superior customer support. We ensure that your claims get paid on time when you need them.