1. Compare Multiple Insurers
Premiums can vary widely across different insurance companies. Comparing quotes allows you to spot the best balance between cost and comprehensive coverage.
Don’t just look at the price—always check what each policy actually covers before making a decision.
2. Choose the Right Type of Cover
Kenyan insurers typically offer three main types of policies to choose from:
- Third-Party Only: The cheapest option, covering damage to others but providing no protection for your own car.
- Third-Party, Fire & Theft: An intermediate option that adds protection against fire and theft of your vehicle.
- Comprehensive Cover: The most complete policy, protecting both third parties and your own car, even in accidents.
If your car is new or has a high value, comprehensive cover is a worthwhile investment for the peace of mind it provides.
3. Increase Your Voluntary Excess
Excess is the fixed amount you pay out of pocket in the event of a claim. Opting for a higher voluntary excess can significantly lower your annual premiums.
Only choose this option if you have sufficient savings to comfortably cover the higher excess amount when needed.
4. Maintain a Clean Driving Record
Insurers reward safe drivers with lower premiums. Fewer accidents and claims over time will classify you as a low-risk client, leading to a reduction in your premium.
Drive safely and avoid traffic violations. Your good record can lead to lower premiums over time.
5. Bundle Insurance Policies
Many insurers offer attractive discounts when you take out multiple policies with them. Consider combining your car insurance with your home or health insurance plan.
Always ask your provider about loyalty or multi-policy discounts before you sign up.
6. Avoid Unnecessary Add-Ons
Extra features like roadside assistance, courtesy car hire replacement, or windscreen cover can significantly increase your premiums. Only choose the add-ons that are truly necessary for your lifestyle.