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If you have a private car,APA is one of the best insurance companies offering this type of cover.Motor insurance protects the insured against loss if the motor vehicle insured is involved in an accident, burnt, stolen and third party liability arising from use of the insured motor vehicle.

Main products include:

Comprehensive Insurance Cover

This cover takes care of a wide range of risks that a motorist may suffer in the process of using his/her vehicle. The main cover features are as follows;

  1. Accidental Impact damage including overturning and collision.
  2. Accidental Fire damage.
  3. Theft/partial Theft cover.
  4. Third-party liability cover for bodily injury & property damage.
  5. Windscreen cover.
  6. Entertainment system cover.
  7. Emergency Medical expense cover.
  8. Courtesy car/ loss of use cover.
  9. Excess protector.
  10. Political Violence & Terrorism cover.

Third-Party, Fire and Theft

This policy covers the insured against three main risks;

  1. Third-party liability cover for bodily injury or property damage as a result of your vehicle being involved in an accident.
  2. Accidental Fire damage in the event your vehicle catches fire and is destroyed.
  3. Theft cover as a result of your vehicle being stolen.

Third-Party Insurance Cover

It is the minimum legal cover that every car owner must have to be legally on the road. The cover protects a vehicle owner from liabilities that may arise from third parties in the event of an accident. Third-party liability relates to:

  1. Bodily injury.
  2. Property damage.

This cover does not protect the car owner from personal liabilities – any repair costs are met by the insured himself.

Main Products

  1. COMPREHENSIVE
  2. 3RD PARTY ONLY
  3. 3RD PARTY & THEFT
  4. NAMED DRIVER
  5. BIMA BAMBA

The cover provides the following benefits:

  1. Accidental impact damage including overturning and collision.
  2. Accidental fire damage.
  3. Theft/partial theft cover.
  4. Third-party liability cover for bodily injury & property damage.
  5. Windscreen cover.
  6. Entertainment system cover.
  7. Emergency medical expense cover.
  8. Courtesy car/ loss of use cover.
  9. Excess protector.
  10. Political Violence & Terrorism cover.
  11. Third-party liability cover for bodily injury or property damage as a result of your vehicle being involved in an accident.
  12. Accidental Fire damage in the event your vehicle catches fire and is destroyed.
  13. Theft cover as a result of your vehicle being stolen.
  14. Bodily injury.
  15. Property damage.

Benefits of the Private Motor Insurance

xtra Benefits Third-party only (TPO) Third-party Fire & Theft (TPF & T) Comprehensive
Windscreen N/A N/A Free limit up to Kshs. 50,000.00 Additional cover
over and above free limit cover is charged at 10% of the insured value
Car Entertainment System N/A N/A Free limit up to Kshs. 30,000.00 Additional cover
over and above free limit cover is charged at 10% of the insured value
Accidental Damage Excess Protector N/A N/A Charged at 0.25% of the insured vehicle value with a minimum of Kshs. 2,000.00
Accidental Damage & Theft Excess Protector N/A N/A Charged at 0.5% the of insured vehicle value with a minimum of Kshs. 5,000.00 Subject to the vehicle being fitted with an Anti-theft device
Loss of Use/ Courtesy Car N/A N/A 10 Days cover at Kshs. 3,000.00
20 Days Cover at Kshs. 5,000.00
Subject to time excess of three (3) days
Political Violence & Terrorism cover N/A N/A Charged at 0.25% of the insured vehicle value with a minimum of Kshs. 1,500.00
Towing/Recovery Expenses N/A N/A Free cover up to Kshs. 30,000.00 On reimbursement basis
Repair Authority N/A N/A Up to Kshs. 30,000.00
Medical Expenses On reimbursement Free cover up to Kshs. 20,000.00 Free cover up to Kshs. 20,000.00 Free cover up to Kshs. 20,000.00
Third Party Persons – Any one person
Kshs. 3 Million

– Any One Event Kshs. 20 Million

– Any one person
Kshs. 3 Million

– Any One Event Kshs. 20 Million

– Any one person Kshs. 3 Million

– Any One Event Kshs. 20 Million

Third-Party Property Damage Limit Up to Kshs. 20 million Up to Kshs. 20 million Up to Kshs. 20 million
Passenger Legal Liability Per Passenger KShs. 4 million

Per event Kshs. 20 million

Per Passenger KShs. 4 million

-Per event Kshs. 20 million

Per Passenger KShs. 4 million

Per event Kshs. 20 million



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February 10, 2024

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