Car Insurance in Kenya | Comprehensive Coverage for Expats | Clements

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Car Insurance in Kenya

Make the adjustment to your expat life easier by getting comprehensive car insurance in Kenya that protects you and your family.

In Kenya, you are legally obligated to have your vehicle covered by both:

  • Physical Damage insurance (PD) and
  • Third-Party Liability protection (TPL)

Your quote provides you with comprehensive car insurance rates in Kenya that include both required coverages under one policy. Your coverage also includes protection from the misfortunes of collisions, repairs, damage, theft, breakdowns, and towing related charges.

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What are the Requirements for Car Insurance in Kenya?

If you’re an expat living in Kenya and are planning on driving, you legally must be covered with both physical damage and third-party liability protection. Clements comprehensive car insurance in Kenya ensures you’re complying with the law, while also offering protection from a range of other misfortunes.

With Clements car insurance, you don’t need a Kenya residency or previous experience driving in the country. Plus, all insurance brokerage is provided through the US and UK – so your policy is in English and making a claim is quick and easy.

What’s Covered by Comprehensive Car Insurance in Kenya?

Key Insurance Features & Benefits

Your car insurance policy for Kenya will protect you against collision, theft, damage, and even political violence.  It includes the following features and benefits:


Complete car insurance solution:

For expats residing in Kenya, including third-party liability protection and physical damage coverage


Borderless coverage:

Car insurance for expats is our specialty. That’s why we offer coverage worldwide so you & your vehicle can seamlessly cross borders anywhere and still be covered – some exclusions apply


Political violence coverage:

If your car is damaged from riots, strikes, terrorism and other perils, you are covered through Clements’ exclusive Political Violence insurance extension, included with your policy


First accident forgiveness:

Mistakes can happen. Your car insurance premium doesn’t have to go up and your rate will stay the same even afterwards


Protection against uninsured motorists:

In some parts of Africa, studies have shown that about 65-70% of vehicles on the roads are uninsured. With uninsured motorist coverage you won’t be liable for repair costs due to uninsured, underinsured, and even hit-and-run drivers


Home country rental car insurance expense reimbursement:

We cover the cost of rental car insurance for $12/day up to 21 days when renting a car in the US, Canada, or your home country


Towing and Labor Reimbursement:

up to $100 USD per disablement, up to $300 USD per policy term


Transit Coverage:

all risks from departure to arrival available for government clients only


Optional Coverage for Duty Expenses:

Saves you money when you need to import a replacement vehicle or parts to repair your damaged car

Third-Party Liability

As a baseline, in Kenya you are required by law to have liability coverage for any bodily injury and or property damage. This policy, provided in partnership via a local Kenyan insurer surpasses the basic legal requirements to drive on the road with the following coverage and protection limits.

Benefit amounts in local Kenyan Schilling:


Third Party Bodily Injury:



Third Party Property Damage Limit:



Passenger Legal Liability (Per Passenger):



Passenger Legal Liability (Per Event):



Covers the following geographical areas of East Africa:

Kenya, Uganda, Tanzania, Rwanda, & Burundi

How Much is Car Insurance in Kenya?

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Excess Liability

What happens if your local third party liability coverage is inadequate to cover the other party in the case of an accident With excess liability, licensed drivers are covered for liability amounts surpassing your TPL coverage from bodily injury and/or property damage to others.


Choose your coverage limits:

starting from $500,000 USD $1,000,0000 USD in additional coverage, anywhere in the world


Backed by the best:

Our international car insurance is underwritten by underwriters at Lloyd’s of London

Note: if traveling outside of Kenya you are required to purchase COMESA (Common Market for East & South Africa) insurance, commonly known as the “Yellow Card” that covers liability across these countries.

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Fill out the form to request a Kenya Car Insurance quote.

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Clements Worldwide’s physical damage car insurance is provided through Lloyd’s of London and is designed specifically for expatriates. Our third-party liability insurance is provided through AIG, in partnership with the WorldSmart Association.

If you have any questions in the meantime, please contact us at, 44(0) 33 0099 0104 or 800.872.0067.

FAQs About Kenya Car Insurance

  • We offer an international excess policy, supplemental coverage which sits on top of a local carrier’s car insurance policy. Insurance from a local carrier is not required; however, you will be responsible for the country’s minimum limit, plus the policy deductible before the policy kicks in.

  • Our worldwide physical damage insurance policy protects against collision, theft and damage, even political violence. Our international excess liability policy prevents you from paying out of pocket if you reach your insurance policy limits with that local carrier. Getting the best local coverage for your car in Kenya depends on a number of factors which are best discussed with the local carrier you choose auto insurance in Kenya.

  • Generally speaking the following are not covered: wear and tear, defects in the car covered under warranty, and intentional damage. Please note that each policy is different, so always refer to your policy document or speak with an agent for specifics on your coverage.

Global NGO in Kenya

Thank you very much for your usual prompt support. It is really a pleasure working with you and Clements. I am very happy that I decided to use Clements as my insurer.

Global Organization in Kenya

I have been using Clements since 2006 and I am really happy with my decision. The wonderful, prompt support that I get from the Claims department is really appreciated.

More Testimonials

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