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Omni-Trust Insurance
Protection You Can Trust

Motor Insurance

Comprehensive and third-party motor insurance for private and commercial vehicles. Includes roadside assistance, windscreen cover, and excess protector.

Key Features

  • Comprehensive and third-party options
  • Windscreen cover included
  • 24/7 roadside assistance
  • Excess protector available
  • No-claim discount up to 50%
  • Political violence and terrorism cover

Rates & Charges

  • Third Party Only: KES 7,500/year
  • Excess (comprehensive): KES 25,000
  • Comprehensive (private): 4% of vehicle value
  • No-Claim Discount (max): 50%

Eligibility Requirements

  • Valid Kenyan driving license
  • Vehicle registered in Kenya
  • Vehicle age up to 15 years (comprehensive)
  • Inspection required for used vehicles

Required Documents

  • 📋 Vehicle logbook (copy) — Bring to branch
  • 📋 Valid driving license — Bring to branch
  • 📋 National ID or Passport — Bring to branch
  • 📋 Vehicle valuation report (for comprehensive) — Bring to branch

Frequently Asked Questions

Find answers to common questions about our services.

What is the no-claim discount?
For each claim-free year, you earn a discount of 10% on your premium, accumulating up to 50% maximum. Claims reset the discount to zero.
Yes, comprehensive motor insurance covers theft, attempted theft, fire, and accidental damage in addition to third-party liability.
Yes, we offer commercial motor insurance for fleets, PSV vehicles, and goods-carrying vehicles at competitive rates based on fleet size and claims history.

Terms & Conditions

Motor Insurance is underwritten by our insurance partner and governed by the Insurance Act of Kenya. Third-party motor insurance is a legal requirement. The policy covers the named driver and any additional drivers declared at inception.

Failure to report an accident within 48 hours may invalidate the claim. Driving under the influence of alcohol or drugs is an absolute exclusion under all motor policies.

Ready to Get Started?

Open your Motor Insurance today. Visit any branch or apply online.

Apply for Motor Insurance

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