Protects the insured against financial loss and Legal Liability

Motor Private Insurance

Motor Private Insurance

Motor Private Insurance policy provides cover for insured’s vehicle against financial loss and legal liability arising from accidental damage, fire, theft and malicious damage.


Vehicles are insured for the current market value. There are various events that may lead to a loss of the vehicle and hence the source of financial loss to the insured. These are all insured and include accidental own damage. The vehicle may sustain damage by collision or over turning and these outcomes are insured. The vehicle may be stolen and not recovered or found in a damaged situation and hence needs repairs. Other insured perils include the risk of burning maliciously done or by a fault within the car. Losses caused by perils of nature such as floods are covered as well. Social perils like riots are included in the cover.

A lower cover than comprehensive and restricting losses to the vehicle that result from accidental fire, theft. Accidental damage to the vehicle is excluded and the insured runs the risk should it happen. The insured vehicle while in use may cause damage to other person’s property and personal injury to others such as pedestrians.

The policy only operates when the vehicle causes accidental damage to other person’s property such as collision with another vehicle. In this instance we only repair the third party’s vehicle.
The insured vehicle may also cause injury to third party person’s injury then that is also covered.


  • KES 10 million protection – for legal costs and compensation due
  • Legal costs for health and safety law prosecution covered too
  • Up to 50 days’ free cover for temporary workers
  • KES 250K compensation a day court attendance compensation


  • Proposal form
  • Log book copy
  • Driving license copy

Ready to start?

Download form

Downloading the application form, then fill it out, and present it to your nearest GA Insurance office, together with the required documents.