Motor insurance & claims guide 2026
For drivers and vehicle owners in Kenya: what Cap 405 requires, third-party or comprehensive, how to check a certificate on DMVIC and what the insurer must pay.
Who this guide is for
- You own or drive a car in Kenya
- You are choosing between third-party and comprehensive cover
- You want to check a certificate or make a claim
What is inside: table of contents
The PDF puts together 5 guides of Tulinde Kenya, word for word: each chapter opens with its short answer, then the full sections, the frequently asked questions and the date it was last reviewed. All 27 sources — the laws, the regulator and the official documents each fact comes from — are listed at the end, with their links.
- Insurance (Motor Vehicle Third Party Risks) Act, Cap 405 Laws of Kenya: what it requires of drivers
The law: Cap 405 at a glance · Cap 405 section by section · Who is covered — and what the legal minimum does not cover · Section 10: when the insurer must pay a judgment · The structured compensation schedule: what it was and where it stands · The penalty for driving uninsured · Cap 405 in practice: a checklist · How to check a motor insurance certificate
Reviewed 28 October 2026 · 11 questions · 8 sources
- Comprehensive vs third-party car insurance in Kenya: what each covers and what sets the price
Side by side · Which one do you need? · Six questions to ask before you sign
Reviewed 28 October 2026 · 4 questions · 2 sources
- DMVIC online: verify a motor insurance certificate in Kenya (*352#, Bima Yangu, verify.dmvic.com)
What DMVIC is · Three ways to check a certificate · dmvic.com, the DMVIC app and DMVIC support · What the result means · The four certificate forms · The rules drivers and owners must follow · Fake certificates
Reviewed 28 October 2026 · 12 questions · 12 sources
- How to check if your insurance is valid in Kenya: motor, SHA, medical and life cover
The four checks that apply to every policy · Motor insurance: check the certificate on *352# or Bima Yangu · SHA: check your coverage with your ID number · Private medical and life policies: ask the insurer, in writing · Traps that leave people without cover
Reviewed 14 October 2026 · 5 questions · 5 sources
- Car insurance in Kenya: premium calculator with levies and stamp duty
How a car insurance premium is built in Kenya · Worked example: comprehensive cover at CIC's published rates · Using the calculator with your own quote
Reviewed 28 October 2026 · 6 questions · 6 sources
Look inside
Two pages of the PDF exactly as you will get it: the contents page and the first page of chapter 1.
Who writes it
Tulinde is an independent guide run by Takat AI. It is not an insurer, a broker or an agent, and it does not rank or rate insurers. Every fact comes from a primary source listed in the guide. Read how we check facts and how Tulinde makes money.