Personal
Motor Insurance
Cover for your vehicle and your liability to others, arranged across leading Kenyan underwriters. We place private, commercial, PSV and special-type risks, and handle the paperwork so your certificate is issued without delays.
What this policy covers
- Accidental damage to your vehicle
- Fire and theft
- Third-party death, bodily injury and property damage
- Windscreen and radio cassette (up to policy limits)
- Towing and protection costs after an accident
Why arrange it through Hace
- Comprehensive, third-party fire & theft, or third-party only
- Comparison of terms across several underwriters
- Assistance with valuation and certificate issuance
- Hands-on claims follow-up with the insurer and assessor
Optional extensions
- • Excess protector
- • Political violence and terrorism
- • Courtesy car
- • Loss of use
- • Enhanced passenger legal liability
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Driving without a valid licence
- • Driving under the influence
- • Use outside the stated purpose of the policy
Frequently asked
How soon can I get a certificate?+
Once cover is confirmed and premium arrangements are complete, the insurer issues the digital certificate. We follow it up on your behalf and confirm as soon as it is out.
Do I need a valuation?+
Comprehensive cover normally requires a valuation from an insurer-approved valuer. We can arrange the booking for you.
What is an excess protector?+
An optional extension that removes the standard excess you would otherwise pay on an own-damage claim.
Ready to arrange motor insurance?
Tell us what you need to protect and we will compare the market and come back with clear options.