How to Get Motorcycle Insurance Online in Kenya

Motorcycles (locally known as “boda boda” or tuk-tuks) are a popular, efficient way to get around in Kenya. However, riding any motorbike without insurance is not only risky but illegal. Hence, you need to know how to get motorcycle insurance online in Kenya.

By Kenyan law, every motorcycle must carry at least third-party insurance to cover injuries or damages to others in an accident. In practice you can buy a limited “third-party only” policy or a more comprehensive cover that also protects your bike.

As you go through this article, you will discover tips on how to get motorcycle insurance online in Kenya, their current rates, which insurers offer good motorcycle plans, and – most importantly – , how to find the cheapest motorcycle insurance online in Kenya.

1How much for motor bike insurance in Kenya?

2Who is best for motorcycle insurance in Kenya?

3Who is the cheapest motorcycle insurance in Kenya?

4How to Get Motorcycle Insurance Online in Kenya

4.11. Compare insurers and policies

4.22. Collect bike and rider details

4.33. Fill out an online quote form

4.44. Review quotes and terms

4.55. Adjust coverage if needed

4.66. Pay online

4.77. Receive policy documents

4.88. Confirm official endorsement

How much for motor bike insurance in Kenya?

The prices of motorbike insurance differ depending on the cover, motorbike model and usage. For example, boda boda PSV (public service) comprehensive cover may cost Ksh 8,500-10,000/annum, whereas the same rider selecting third-party cover alone may pay about Ksh 3,000-5,000/annum.

On the average, motorcycle insurance is priced at approximately Ksh 6,500-7,500/year on average with third-party policies being priced at approximately Ksh 3,500-4,500/year on average according to Kenyan blogs.

It should be noted that these numbers are illustrative: your actual premium will range according to the size of your bikes engine, your driving experience, security devices installed, and even your place of residence. The positive aspect is that most insurers have posted calculators and quote forms on the internet and thus you have the ability to obtain a proper price when you input the details of your bike.

Generally, the cheapest premiums come with basic TPO cover – often as low as ~Ksh 2,000–3,000 annually for a small bike – while full comprehensive cover can go higher.

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Who is best for motorcycle insurance in Kenya?

Regarding insurers, no single firm is universally “best” for all riders. Major Kenyan carriers like APA Insurance, CIC, Britam, Jubilee, Monarch, Old Mutual, Heritage, UAP Old Mutual, and even banks (Co-op Bank offers boda boda cover) all sell motorcycle policies.

Industry rankings name CIC and APA as leading providers in general motor lines, and local experts often point to Britam and Jubilee as well-established insurers.

Ultimately, the “best” insurer depends on your needs: some companies may have faster claims service, better premiums for PSV operators, or simpler online processes. Reviews from other motorcyclists can help gauge reliability, but legally any registered insurer in Kenya is licensed to underwrite motorcycle risk.

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Who is the cheapest motorcycle insurance in Kenya?

Even if one insurer offers slightly lower rates, the type of cover matters most. Third-party only (TPO) is the cheapest but covers only injuries or damage you cause to others – it will not protect your own bike. For full peace of mind, many riders choose Third Party, Fire & Theft or Comprehensive plans.

These add protection against fire, theft, vandalism, and some cover for your own bike’s repairs. Premiums for such upgraded plans range higher: comprehensive boda boda cover might run around Ksh 8,500–10,000 yearly, whereas basic TPO might be ~Ksh 3,000–5,000.

In short, cheapest motorbike insurance is found with TPO plans (as low as ~Ksh 2,000–3,000 per year), while fuller cover costs more.

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How to Get Motorcycle Insurance Online in Kenya

Below is a step-by-step guide to getting motorcycle insurance online in Kenya. Most major insurers or brokers now allow fully digital quotes and purchases, saving you a trip to the agent’s office:

1. Compare insurers and policies

Begin by identifying a few insurers or an online broker. For example, local platforms like CoverMe (by GA Insurance) or mobile apps let you compare quotes across companies.

Alternatively, you can go directly to insurers’ websites (e.g. APA, CIC, Monarch, Jubilee, Britam, Co-operative Bank insurance, etc.). Look for a “motorcycle insurance” or “motor insurance” section.

Reading a general “how to buy” insurance guide can help – for instance, one blog recommends researching providers, then filling out their online quote form for instant pricing.

2. Collect bike and rider details

Have your motorcycle’s make, model, year, engine capacity and registration number ready. Know also the age of the rider and their driving record. Such information is required to produce a precise quote. Most websites will require this information in a mere web form.

3. Fill out an online quote form

On the insurer or aggregators website, select “motorcycle“ as the type of vehicle required, and fill required information. This will usually consist of registration number, bike value, rider details and the preferred coverage (TPO, Fire and Theft, Comprehensive etc.). Submit the form.

4. Review quotes and terms

You should instantly see a premium price for the coverage level you chose. Carefully check what’s covered and not covered. (Third-party cover will obviously be cheaper but limited.) Compare quotes if possible. Sometimes, a broker page will show multiple insurers side by side.

5. Adjust coverage if needed

If the quote is higher than expected, you can try adjusting. For example, reduce sum insured (value of bike), agree to a small voluntary excess, or remove optional covers like windscreen or medical. Conversely, if you want more cover (e.g. add fire & theft or personal accident cover), see if you can include it and check the new premium.

6. Pay online

Once you select a policy and premium, proceed to payment. Most insurers accept online payment by credit/debit card. In Kenya, some also allow M-Pesa PayBill (look for the MPesa details). Complete the payment as instructed on the site.

7. Receive policy documents

After payment, the insurer will typically email you a cover note or policy. This is a digital document confirming your insurance. Print a copy or save it on your phone to carry while riding. If you only have a digital copy, ensure it’s accessible in case traffic officers ask.

8. Confirm official endorsement

For third-party policies, the insurer will often notify the Kenya Insurance Registry (KIR) electronically. KIR (by the IRA) should register your bike’s details against the policy.

You can check KIR’s website or SMS service to confirm your bike’s insurance status. However, having the official policy or cover note is proof enough in most cases.

FAQs

What insurance do I need for my motorbike?

Third-party insurance

Which is the best motor insurance company in Kenya?

Britam Insurance

How much is motorcycle insurance in Kenya?

Kshs. 4500

Conclusion

With these steps, you can secure motorcycle insurance entirely online without visiting an office. Always ensure you get a valid policy number or cover note and that it shows your bike’s correct plate number.

Getting motorcycle insurance online in Kenya is now quite straightforward. Digital platforms mean you can insure or renew in minutes, even from your phone. This saves time compared to older methods of manually comparing agents or filling out paper forms.

In the rapidly growing Kenyan motorcycle market, being insured is essential – it protects you and other road users. So use reputable insurers or brokers, compare a few quotes if unsure, and complete your purchase online with confidence.