AIG Insurance-Private Motor Vehicle Insurance


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About this product

This is a policy that provides protection against accident loss and to personal private motor vehicles, including the standard accessories and spare parts, as well as cover against legal third-party liabilities. It is designed for:
  • Corporate vehicle owners
  • Individual vehicle owners

Scope of the Cover

The coverage on the policy is classified into three categories:
  • Third Party Only (TP)- This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third-party property. It is the mandatory cover that a motorist should have.
  • Third Party Fire and Theft (TPF&T) - This cover protects you against all third-party risks mentioned above in addition to loss and/or damage to your vehicle due to theft and fire
  • Comprehensive - This is a superior cover to all the others it protects you against the third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident.

Benefits of the Cover

  • Towing and recovery
  • Passenger legal liability
  • Emergency medical expenses
  • Windscreen
  • Authorized repair
  • Geographical Limit

Optional Benefits at Extra premiums

  • Political violence and terrorism
  • Riot and strike

Limits of Liabilities

Third party bodily injury Unlimited
Towing and recovery Free up to KES 30,000
Passenger legal liability KES 15,000,000 (per event) KES 6,000,000 (per passenger)
Third party property damage KES 10,000,000
Emergency medical expenses Free up to KES 30,000
Windscreen Free up to KES 30,000
Authorized repair KES 30,000
Geographical coverage East Africa

Policy Excess

Emergency medical expenses 2.5% excess charge for extra limit
Excess protection 0.25% of sum insured (minimum KES 1,000)
Political violence and terrorism 0.25% of sum insured (minimum KES 1,000)
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Apply Online

Use our comparison tool to get quotes for this cover from a vetted broker near you. Available in Nairobi, Mombasa and Kisumu.


American International Group(AIG)

AIG House, Eden Square Complex, Nairobi, Kenya
+254 20 3676000

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