Motorcycle Insurance Guidance

Compare private and PSV coverage options before you ride, dispatch, or expand your fleet.

Private motorcycles

TPO Motorcycle Private Insurance

Covered

- Third-party property damage or injury
- Legal expenses for third-party claims
- Compensation for third-party death or injury

Not Covered

- Insured rider's own bike damage
- Rider personal injury
- Claims while under influence or deliberate acts

Estimated plan starts from KES 4,500

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Private motorcycles

Comprehensive Motorcycle Private Insurance

Covered

- Own damage (accident, theft, fire, natural disasters)
- Third-party liabilities
- Passenger protection and legal fees

Not Covered

- Rider personal injury is not covered by default

Estimated plan starts from KES 7,400

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Public service motorcycles

TPO Motorcycle PSV Insurance

Covered

- Third-party injuries and damages
- Legal liabilities and accident-related costs

Not Covered

- Damage to insured motorcycle
- Claims for illegal or unsafe operations
- Rider personal injury

Estimated plan starts from KES 6,200

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Public service motorcycles

Comprehensive Motorcycle PSV Insurance

Covered

- Damage, theft, and fire for insured motorcycle
- Passenger and goods liability coverage
- Legal expenses and personal injuries (third-party/passenger scope)

Not Covered

- Non-compliance and intentional damage
- Rider personal injury is not covered by default

Estimated plan starts from KES 9,800

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Private vs PSV at a Glance

Private cover is best for commuting and personal use, while PSV cover is built for boda and commercial operation with wider passenger and liability scope.

Private Motorcycle Cover

Recommended when the bike is mainly for personal errands or low-intensity delivery work and you need flexible premium options.

PSV Motorcycle Cover

Recommended for public transport and high-frequency commercial riding where passenger liability and service-use risk are higher.