Car Insurance in Kenya, Done Right
Comprehensive, third-party, PSV or commercial — we compare Kenya's top motor insurers to get you the best cover at the lowest premium.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Why you need it
A single accident, theft, or third-party claim can cost more than a year's premium. The right motor cover protects your vehicle, your finances, and your licence obligations — and we make sure you're never paying more than you should.
As an independent broker, Naveah Capital isn't tied to one underwriter. We send your details to 9+ of Kenya's leading motor insurers, compare the premiums and benefits side by side, and bring you the strongest options to choose from. Tell us about your car and we'll do the shopping for you.
In Kenya, driving without at least third-party cover is an offence, and roadblocks make enforcement real. But the bigger risk is financial: Nairobi traffic, poor road conditions and vehicle theft mean claims are common. The gap between the cheapest and the best-value quote for the same car can be substantial — which is exactly where an independent broker earns its keep.
What's covered
Comprehensive
Accident, theft, fire, and third-party liability, plus optional extras such as excess protector, courtesy car, and political violence & terrorism cover.
Third-Party Only
The legal minimum required in Kenya — covers injury and property damage you cause to others.
PSV & Commercial
Matatus, taxis, boda fleets, trucks and business vehicles, with cover matched to how the vehicle earns.
Who needs this cover?
- Private car owners in Nairobi and beyond
- Matatu, taxi and boda operators (PSV)
- Businesses running commercial or fleet vehicles
- Anyone renewing and unsure they're getting the best rate
Why buy through Naveah Capital?
Buying car through an independent broker costs you nothing extra, yet changes everything about the outcome. Instead of accepting one insurer's price, you get 9+ compared side by side — premium, benefits, exclusions and claims reputation. We negotiate on your behalf, explain the fine print in plain language, and manage any claim from first notification to final settlement. It's how our clients reach a 97% claims success rate and rarely overpay at renewal.
Frequently asked questions
How much is car insurance in Kenya?
Comprehensive cover typically runs as a percentage of your car's value, while third-party is a fixed statutory rate. Send your details and we'll return an exact quote.
Can you insure a PSV or commercial vehicle?
Yes — we arrange PSV, taxi, boda and commercial fleet cover with insurers that specialise in each class.
How fast can I get covered?
Often the same day, once we have your logbook details and payment confirmation.
Do you help when I need to claim?
Yes. Your dedicated advisor manages the paperwork, liaises with the insurer, and follows up until your claim is settled.
Ready for your best quote?
Share a few details and we'll compare insurers and reply within the hour.
Get My Car Insurance Quote
A few quick questions — we reply within the hour.
Thank you — we've received your request.
Farzana Sumra will personally contact you within the hour with your best options.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
