Best Motorcycle Insurance Companies in Kenya 2026
Best Motorcycle Insurance Companies in Kenya
Here are the top motorcycle insurance providers in Kenya, featuring the companies you requested alongside other leading insurers in the market.
Featured Insurance Companies
| Insurer | Key Motorcycle Products | Key Features |
|---|---|---|
| APA Insurance | Bima Bamba Motor Plan, Motor Private Cover | Monthly installment payments (12 months), comprehensive cover, windscreen cover, courtesy car, emergency medical expense cover, excess protector |
| Old Mutual | Boda Riders Super Cover (with KBA) | KSh 1,000 per night hospitalization (from 3rd night, up to 50 nights/year), KSh 100,000 last expense benefit for death |
| GA Insurance | SwapCare (with ARC Ride) | Accident insurance for electric motorcycles, automatic coverage with each battery swap, hospital bill coverage, funeral expenses |
| Madison | Motorcycle Insurance | Comprehensive and third-party options available |
| First Assurance | Motorcycle Insurance | Covers loss/damage to motorcycle and accessories, legal liability to third parties and passengers, comprehensive & third party options |
Other Notable Motorcycle Insurers in Kenya
| Insurer | Key Products | Differentiators |
|---|---|---|
| Step by Step Insurance | Motorcycle TPO & Comprehensive | TPO from KSh 2,500, online application, fast processing |
| Directline Assurance | PSV Motorcycle Cover | Wide acceptance, established PSV underwriter |
| Amaco Assurance | Boda Boda Insurance | Market leader in PSV, extensive network |
Types of Motorcycle Insurance Available
| Cover Type | What It Covers |
|---|---|
| Third Party Only (TPO) | Injuries/death to third parties and property damage (legal minimum) |
| Third Party, Fire & Theft | TPO coverage plus fire damage and theft of the motorcycle |
| Comprehensive | Own damage repairs after accident, theft, fire, vandalism, and third-party liability |
| Personal Accident | Rider medical expenses, disability compensation, death benefit |
| Passenger Legal Liability (PLL) | Passenger injuries or death claims (required for boda boda) |
