Bizsure

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Bizsure Insurance Brokers helps individuals, businesses and corporations find insurance that fits — guided by three simple principles: Transparent, Simple, Friendly.

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Motor Insurance

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Motor insurance that keeps you legally on the road and financially protected

Under CAP 405 of Kenya's laws, motor insurance is mandatory — but the right cover goes well beyond ticking a legal box. Bizsure arranges Third Party, Third Party Fire & Theft, and Comprehensive cover for private, commercial and PSV vehicles, matching the policy to how you actually use your vehicle.

Third Party cover meets the legal minimum and protects you against claims from other people and property, but it won't repair your own car. Comprehensive cover adds protection for your own vehicle against accident, fire and theft, plus injury to you and your passengers — the option most owners choose once a car has real value to protect.

We shop the market on your behalf, compare terms and excess structures across underwriters, and walk with you from quotation through to claim so you're never negotiating with an insurer alone.

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What Comprehensive cover includes:

A Comprehensive motor policy from Bizsure is built around free benefits every policyholder gets, plus optional add-ons you can tailor to your risk.

  • Free windscreen cover, up to policy limit
  • Medical expenses for you and your passengers
  • Towing and recovery to a repair shop or safe place
  • Repair authority for faster, pre-approved minor repairs
  • Excess Protector to cover your claim excess
  • Political Violence & Terrorism (PVT) extension
  • Loss of Use — a replacement vehicle while yours is repaired
  • AA Kenya breakdown and roadside assistance benefits

What determines your premium

Rates vary by vehicle type, age and value, and by the class of cover you choose. As a guide, Third Party premiums typically start from around KES 7,500 a year, while Comprehensive cover generally starts from around KES 37,500 a year — actual pricing depends on your specific vehicle and risk profile. Vehicles older than 15 years generally qualify for Third Party cover only. We source and compare quotes from multiple underwriters so you're not just taking the first number you're offered.

If the worst happens, notify us as soon as you notify the police, and take photos of the scene for your claim file. We guide you through every document the insurer needs and stay on the claim until it's settled — because a policy is only as good as how it pays out when you actually need it.

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