Check a motor insurance cover in Kenya

How to check a motor insurance certificate in Kenya (*352# and DMVIC)

Reviewed on 23 September 2026 by the Tulinde editorial team · how we check facts

Short answerChecked 23 September 2026

Kenyan motor certificates are digital (DMVIC, run by the Association of Kenya Insurers). Check one by dialling *352#, with the DMVIC app, or on verify.dmvic.com with the certificate number and the registration or chassis number. The result shows the insurer, the cover dates and whether the certificate is valid, cancelled or invalid. The date in the verification must match the date on the certificate.

Three ways to check

Channel	How
USSD	Dial *352# and follow the prompts (no internet needed)
App	Download the DMVIC / AKI VIC app (Android and iOS)
Web	verify.dmvic.com: certificate type, certificate number, then registration or chassis number; a one-time code confirms your phone

According to the DMVIC verification form, the result gives the certificate number, chassis and registration, insurer, insured name, policy start and end dates, the certificate status, and any cancellation date and reason.

Check the certificate before you pay a renewal to someone you do not know, and again once it is issued. The Association of Kenya Insurers asks drivers to make sure the date in the verification message matches the date on the certificate.

What the law requires of drivers

Under Cap. 405:

Driver and owner must carry and display a certificate in the prescribed form (s.9(1)).
After an accident with injuries where police did not see the certificate at the scene, show it at a police station or to an officer within 24 hours (s.9(2)).
The owner must give police insurance information within 7 days of a request (s.9(4)).
If a policy is cancelled, return the certificate within 7 days (s.13).
Driving uninsured: fine up to KES 10,000, up to 2 years in prison, or both, and a possible 12-month driving ban (s.4(2)).

After an accident

Stop, and give your name and address, the owner's details and the vehicle's registration to anyone who asks (Traffic Act s.73).
If anyone is injured, report to the police as soon as possible and within 24 hours (Traffic Act).
Notify your insurer in writing and keep copies of every document.
Once you have given all the documents, the insurer must settle within 90 days of the claim being reported (the Commissioner can extend by 30 days); after that a 5% penalty on the unpaid amount is due (Insurance Act s.203).

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Frequently asked questions

How do I check if a car is insured in Kenya?

Dial *352#, use the DMVIC app, or enter the certificate number and registration on verify.dmvic.com. The result shows the insurer, the dates and whether the certificate is valid.

How can I tell if a motor insurance certificate is fake?

Verify it on *352# or verify.dmvic.com: an invalid or cancelled certificate shows as such, and the dates in the verification must match the certificate.

How long does an insurer have to pay a claim in Kenya?

90 days from the claim being reported once all documents are provided, extendable by 30 days by the Commissioner; late payment carries a 5% penalty (Insurance Act s.203).