Why Motor Insurance Is Essential
In Kenya, motor insurance is mandatory by law. Beyond legal compliance, it provides vital protection for you, your car, and third parties in case of an accident. The challenge for many drivers is choosing the right policy: Third Party Only (TPO), Third Party Fire & Theft (TPFT), or Comprehensive.
1. Third Party Only (TPO)
The most basic and cheapest cover. It includes:
- Damage to third-party vehicles or property.
- Injuries to third parties in an accident.
❌ Limit: It does not cover damage to your own car. Best for old or low-value vehicles.
2. Third Party Fire & Theft (TPFT)
A step up from TPO. It includes everything in TPO plus cover for:
- Fire damage to your car.
- Theft or attempted theft.
✔️ Best for: Vehicle owners seeking affordable protection without going fully comprehensive.
3. Comprehensive Cover
The most complete policy. It includes everything in TPO & TPFT, plus:
- Damage to your own car (accidents, natural disasters, floods, vandalism).
- Theft, fire, and sometimes political violence cover.
- Added benefits: roadside assistance, courtesy cars, towing services.
✔️ Best for: New cars, company fleets, or high-value vehicles.
4. Which Policy Should You Choose?
- TPO – For older cars with low resale value.
- TPFT – A middle ground for affordability with extra protection.
- Comprehensive – Recommended for new or expensive vehicles and corporate fleets.
✅ Conclusion
Choosing the right car insurance is about balancing budget, value, and risk protection. At Pishon Havilah Insurance Agency, we partner with top providers in Kenya to help drivers and businesses find the best-fit policy — ensuring both compliance and peace of mind.
