Photo: Tmaokisa, Wikimedia Commons, CC BY-SA 4.0Tuk-tuk insurance cost in Kenya
What the law requires, published rates and what changes the price
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The cover a tuk-tuk must have before any price
In Kenyan law a tuk-tuk is a motorcycle: the NTSA (Operation of Motorcycles) Regulations, 2015 define a motorcycle as any mechanically propelled vehicle with less than four wheels (reg. 2). What it must carry depends on its use:
| Use of the tuk-tuk | Minimum insurance | Source |
|---|---|---|
| Taxi carrying fare-paying passengers | "At the minimum a motor commercial public service vehicle insurance cover"; the owner must ensure at least Third Party Public Service Vehicle insurance | NTSA Motorcycle Regulations, regs 10(e) and 11(b) |
| Any other use on a road (private, deliveries) | A policy covering third-party risks | Cap. 405, s.4 |
Passengers are the reason a taxi tuk-tuk cannot use a private policy. Cap. 405, s.5(b)(ii), lets a policy exclude people carried in the vehicle except where passengers are carried for hire or reward; the compulsory cover may be capped at three million shillings per claimant (s.5(b)(iv)). Our boda boda and motorcycle insurance guide sets out the same rules for two-wheelers.
What tuk-tuk insurance costs: a published schedule
Few sellers publish tuk-tuk prices. Co-op Bank's insurance agency, Co-op Consultancy & Bancassurance Intermediary, is one that does: its Tuk Tuk insurance page (Web Archive copy of 20 May 2026) sets out this rating. It is the intermediary's own statement for the policies it places, not a market price or a regulator's tariff:
| Cover, as published by Co-op Bank's bancassurance intermediary | Price |
|---|---|
| Third party, tricycle | KES 5,000, "inclusive of Passenger Liability" |
| Comprehensive PSV | 4% of the sum insured, minimum KES 15,000 (written "15k" on the page) |
| Passenger legal liability (PLL) with comprehensive | KES 500 per person |
Worked from that schedule: 4% of the value reaches the KES 15,000 minimum at a sum insured of KES 375,000. Below that value you pay the minimum; above it, the premium grows with the value — a tuk-tuk insured for KES 500,000 would cost 4% = KES 20,000 in basic comprehensive premium, before passenger legal liability.
KCB's bancassurance intermediary also describes a "Boda Boda & Tuk Tuk (PSV)" cover for motorcycles and tuk-tuks used for public transport, against accidental loss or damage and covering drivers and passengers, but publishes no price (seen October 2026). For a firm figure, ask for a written quote.
What changes the price of a tuk-tuk policy
- Cover type. Third-party only is a flat premium in the schedule above; comprehensive cover adds the tuk-tuk itself (Co-op's page sets excesses for own damage and theft) and is priced as a percentage of the tuk-tuk's value.
- Use. A taxi needs PSV cover with passengers included (regs 10(e) and 11(b)); a tuk-tuk not carrying fares only needs ordinary third-party cover under Cap. 405, s.4. Tell the insurer how the vehicle is used.
- Value declared. Comprehensive premium is a rate on the sum insured, which is also the most the insurer pays after a write-off; under-declaring cuts the premium and the payout.
- Passengers. Passenger legal liability is charged per person in Co-op's schedule (KES 500).
- Driver. Co-op's page adds an extra excess of KES 5,000 for a young or novice driver.
The excesses and limits behind the price
A cheap premium can hide high excesses or low limits. Co-op's page lists these for its tuk-tuk cover, which makes it a useful checklist for any quote:
| Item | As published by Co-op Bank's bancassurance intermediary |
|---|---|
| Own damage excess | 2.5% of the sum insured, minimum KES 7,500 |
| Theft excess | 10% of the sum insured, minimum KES 10,000 |
| Theft and recovery excess | 2.5% of the value, minimum KES 7,500 |
| Young or novice driver | Additional KES 5,000 |
| Passenger legal liability | KES 3,500,000 per person, KES 10,000,000 per event |
| Third-party property damage | KES 2,000,000 |
| Third-party personal injury | Unlimited |
| Medical expenses | KES 50,000 |
| Towing charges | KES 10,000 |
Its passenger limit of KES 3.5 million per person is above the three million shillings per claimant that Cap. 405, s.5(b)(iv), allows a policy to stop at. Ask every insurer for the same lines in writing so that the quotes compare like for like.
How to buy tuk-tuk insurance and check it
Co-op's page asks for a filled proposal form, a copy of the national ID, the KRA PIN certificate, the logbook (or the purchase receipt and invoice) and the driving licence; it sells to anyone over 18 with a valid driving licence.
- Tell the insurer the tuk-tuk carries passengers for hire, and check that the certificate shows PSV cover.
- Compare the same cover: third-party or comprehensive, the same sum insured, the same passenger liability and excesses.
- Check the insurer is licensed, on the IRA list of insurance companies.
- Verify the certificate the day you receive it, on *352# or the DMVIC site.
To receive tuk-tuk insurance quotes from licensed insurers, ask for quotes here.
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Frequently asked questions
How much is tuk-tuk insurance in Kenya?
Each insurer sets its price. Co-op Bank's bancassurance intermediary publishes third-party cover for a tricycle at KES 5,000 including passenger liability, and comprehensive PSV cover at 4% of the value with a KES 15,000 minimum, plus KES 500 per person for passenger legal liability (Web Archive copy of 20 May 2026).
What insurance does a tuk-tuk need in Kenya?
A tuk-tuk taxi must have at least Third Party Public Service Vehicle insurance, which covers its passengers (NTSA Motorcycle Regulations, regs 10(e) and 11(b)). A tuk-tuk not carrying fares needs at least third-party cover under Cap. 405, s.4.
Can I use private third-party insurance for a tuk-tuk that carries passengers?
No. Cap. 405, s.5(b)(ii), only lets a policy leave out passengers when they are not carried for hire or reward, and the NTSA regulations require PSV cover for three-wheeled taxis.
How is comprehensive tuk-tuk insurance calculated?
As a percentage of the value you declare, with a minimum premium. In Co-op's published schedule it is 4% with a minimum of KES 15,000, so the minimum applies up to a sum insured of KES 375,000.
What is the penalty for driving a tuk-tuk without insurance in Kenya?
A fine of up to KES 10,000, up to two years in prison, or both, and a possible 12-month driving ban, mandatory on a repeat conviction (Cap. 405, s.4(2)).
Sources
- NTSA (Operation of Motorcycles) Regulations, 2015 (LN 19/2015, as amended by LN 121/2022), regs 2, 10 and 11 — Kenya Law (Web Archive copy)
- Insurance (Motor Vehicles Third Party Risks) Act, Cap. 405, ss.4 and 5 — Kenya Law (Web Archive copy)
- Co-op Consultancy & Bancassurance Intermediary (Co-op Bank) — Tuk Tuk insurance page: rating, limits of liability, excesses and documents (intermediary's own page, Web Archive copy of 20 May 2026)
- KCB Bancassurance Intermediary — Boda Boda & Tuk Tuk (PSV) cover page (intermediary's own page, seen October 2026)