Insurance Companies Offering School Bus Cover in Kenya 2026
Insurance Companies Offering School Bus Cover in Kenya
| Company | Key Information | How to Confirm/Proceed |
|---|---|---|
| Sanlam Kenya | A major player in Kenya’s insurance sector, part of the larger Sanlam Group operating across Africa. Offers a broad range of general and life insurance products suitable for institutional clients. | Contact their commercial or motor vehicle department directly and specify you need cover for a school bus (PSV – Institution Use). |
| Britam Insurance | A leading diversified financial services group in Kenya offering general insurance products including motor vehicle coverage for commercial and institutional clients. | Contact Britam directly and request a quote for school bus insurance under the commercial vehicle or PSV Institution Use class. |
| CIC Insurance Group | One of the largest cooperative insurers in Africa, offering a wide range of products. Known to offer School Bus Insurance and student personal accident cover that protects students while traveling in the school bus. | Contact their team and ask specifically for School Bus Insurance or the PSV – Institution Use class. |
| Old Mutual General Insurance Kenya | Offers Motor Commercial Insurance covering vehicles used for commercial purposes, including minibuses, trucks, and fleets . Provides three levels: Third Party Only, Third Party Fire & Theft, and Comprehensive . Notable for a recent High Court case clarifying that school bus policies typically cover students and staff only . | Request their Motor Commercial Insurance and specify the vehicle is a school bus for institutional use. Clearly state the bus will only transport students and staff. |
| Pacis Insurance | An established insurer in the Kenyan market. | Contact Pacis Insurance directly to ask if they offer a specific School Bus or PSV Institution Use product. |
| ICEA Lion Group | A reputable and established group offering comprehensive Life and General Insurance solutions. Likely underwrites commercial motor vehicle classes. | Request a quote for the PSV – Institution Use class for your school bus. |
| APA Insurance | Part of the Apollo Group, known as a leading provider of General Insurance. Explicitly lists “Motor Commercial Institutional Vehicles” as a product category. | Request a quote for their “Motor Commercial Institutional Vehicles” category—this is the exact class designed for school buses. |
| Directline Assurance | One of only three companies licensed by the IRA for all PSV insurance. Issues Class A certificates for Public Service Vehicles including buses. Offers both Third Party Only and Comprehensive covers for PSV buses with seating capacity 37-105. | Specify you need PSV Bus cover under Class A. Comprehensive covers are annual policies only. |
| Africa Merchant Assurance (AMACO) | One of the three IRA-licensed PSV insurers. Incorporated in 2000, licensed to transact general insurance business with a countrywide branch network. Offers motor vehicle insurance as a key specialty. | Contact their PSV department directly. Mentioned among insurers offering PSV coverage options. |
| Definite Assurance | One of the three IRA-licensed PSV insurers. A newer entrant focusing on tailored PSV solutions with affordable premiums and faster claim settlements. Offers policies designed specifically for PSV operators including risk mitigation and driver training support. |
To navigate this complex market and secure the best coverage at competitive rates, working with a licensed insurance broker is highly recommended.
📞 Contact Annex Insurance Agency
For professional assistance in comparing quotes and obtaining the correct school bus insurance for your institution, reach out to:
| Annex Insurance Agency |
|---|
| Email: info@annexinsurance.co.ke |
| Website: www.annexinsurance.co.ke |
| Phone: 0724 547 669 |
Contact Annex Insurance Agency today to ensure your school buses are properly covered and fully compliant with Kenyan regulations
