1. Definition and Coverage

• What it is: Time on Risk (TOR) insurance refers to a short-term motor insurance policy that provides coverage for a limited duration, such as one week or one calendar month
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• What it covers: As a “third-party only” (TPO) policy, it covers your legal liability for bodily injury or property damage caused to other people (third parties) in an accident
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• What it excludes: It does not cover any damage to your own vehicle, nor does it provide protection against theft, fire, or personal injury
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2. Cost and Pricing Structure

• Affordability: This is generally the most affordable type of car insurance cover available, making it highly accessible for budget-conscious motorists
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  . For example, in markets where TOR is a standardized product, a one-month third-party policy for a private vehicle typically costs between KES 1,500 and KES 3,000

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  Conclusion

  A one-month Time on Risk (TOR) third-party insurance policy is a practical, low-cost solution for meeting mandatory legal driving requirements without the upfront expense of an annual premium. However, because it offers no protection for your own vehicle and can become more expensive over time compared to an annual policy, it is best used as a short-term bridge or temporary measure.

  To get a personalized quote, verify current short-term rates, or secure your one-month third-party coverage, it is highly recommended to speak directly with a licensed professional.

  Contact Annex Insurance Agency for expert guidance and tailored insurance solutions:

  • Phone / WhatsApp: +254 724 547669
    www.annexinsurance.co.ke
  • Email: info@annexinsurance.co.ke
    www.annexinsurance.co.ke
  • Website: www.annexinsurance.co.ke
    www.annexinsurance.co.ke.

  Annex Insurance Agency is a licensed insurance intermediary (regulated by the Insurance Regulatory Authority) that can help you navigate short-term motor cover options quickly and ensure you stay legally protected on the road

  www.annexinsurance.co.ke