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Third Party Only (TPO)
Legal minimum — third-party bodily injury, death and property damage as required by law.
Solutions > Motor Commercial
Drive Protected with Motor Commercial Insurance
Motor Commercial Insurance protects you against financial loss when your commercial vehicle — a truck, trailer, pick-up, PSV, institutional bus/van, special vehicle or tanker — is involved in an accident, burnt or stolen. Three cover types
TPO to Comprehensive
Flexible cover for commercial fleets
Online Certificates & COMESA
Instant certificates, extendable across the region
What is APA Motor Commercial Insurance?
Motor Commercial Insurance protects you against financial loss when your commercial vehicle — a truck, trailer, pick-up, PSV, institutional bus/van, special vehicle or tanker — is involved in an accident, burnt or stolen. Three cover types are available: Third Party Only (TPO), the legal minimum covering third-party injury, death and property damage; Third Party Fire & Theft (TPF&T), which adds cover for loss or damage to your vehicle by fire or theft; and Comprehensive, which covers accidental collision/overturning, fire, theft, malicious damage and third-party liabilities.
Highlights
- Three cover types — Third Party Only, Third Party Fire & Theft and Comprehensive.
- Covers trucks, trailers, pick-ups, PSV, institutional buses/vans, special vehicles and tankers.
- Comprehensive limits for third-party injury, property damage and passenger legal liability.
- Motor certificates issued online, with cover extendable across East Africa/COMESA.
What is Covered and Not Covered Under Motor Commercial?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Third Party Fire & Theft
TPO cover plus loss or damage to your commercial vehicle by fire or theft.
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Comprehensive Cover
Accidental collision/overturning, fire, theft, malicious damage, third-party liabilities and special perils.
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Commercial Vehicle Types
Trucks, trailers, pick-ups, PSV, institutional buses/vans, special vehicles and tankers.
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Free Cover Extensions
Towing, authorised repair, medical expenses, entertainment unit and windscreen — per policy limits.
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Passenger Legal Liability
Comprehensive limits for passenger legal liability on applicable commercial vehicle classes.
Eligibility & Documentation
Eligibility Criteria
Specifications
Vehicle Types
Trucks (own goods), trailers, pick-ups, PSV, institutional buses/vans, special vehicles (tractors, ambulances, fire fighters) and tankers.
Documents
Completed proposal form, copy of logbook, valuation report, proof of anti-theft device, driving licence, KRA PIN and ID.
Financed Vehicles
Bank/financier's interest form required where applicable.
Eligible Owners
Traders, transporters, manufacturers, stockists, tour operators, schools and other commercial vehicle owners.
How to Buy APA Motor Commercial Insurance?
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Choose your cover level — Third Party Only, Third Party Fire & Theft or Comprehensive.
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Complete and sign the motor proposal form and provide your KYC documents.
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Buy through an APA branch or intermediary — call 0709 912 777 or email info@apainsurance.org.
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Your certificate of insurance is issued online on receipt and acceptance of your details.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It protects you against financial loss when your vehicle is involved in an accident, burnt or stolen, and against your legal liability to third parties.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
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Health Insurance
Your Health, Our Priority
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Motor Insurance
Your Family Awaits, Drive Safely
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
