1
Third-Party Liability
Injury/death up to KSh 10m any one event (KSh 3m per person) and third-party property up to KSh 20m.
Solutions > Motor Private
Drive Protected with Motor Private Insurance
Motor Private Insurance protects you against financial loss when your private vehicle – a saloon, station wagon, pickup/double cabin or SUV – is involved in an accident, burnt or stolen. Three cover types are available: Third Party Only (TP
TPO to Comprehensive
Flexible cover to suit your needs
Online Certificates & COMESA
Instant certificates, extendable across the region
What is APA Motor Private Insurance?
Motor Private Insurance protects you against financial loss when your private vehicle – a saloon, station wagon, pickup/double cabin or SUV – 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, plus special perils such as flood, aerial falling objects, riot and strike.
Highlights
- Three cover types – Third Party Only, Third Party Fire & Theft and Comprehensive.
- Comprehensive covers accident, fire, theft, malicious damage and special perils.
- Valuable add-ons: PVT, excess protector, courtesy car and AA Kenya membership.
- Motor certificates issued online, with cover extendable across East Africa/COMESA.
What is Covered and Not Covered Under Motor Private?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Accidental Damage & Perils
Comprehensive covers accidental collision/overturning, fire, theft, malicious damage and special perils.
3
Passenger Legal Liability
Passenger legal liability up to KSh 4m per person and KSh 10m in all.
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Windscreen & Entertainment
Windscreen cover up to KSh 50,000 and entertainment-unit cover up to KSh 30,000.
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Towing, Repair & Medical
Towing up to KSh 50,000, authorised repair up to KSh 30,000 and medical expenses up to KSh 30,000.
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Regional Cover
Geographical area is Kenya, extendable to East Africa/COMESA countries via a COMESA card.
Eligibility & Documentation
Eligibility Criteria
Specifications
Vehicle Type
Private vehicles – saloons, station wagons, pickups/double cabins and SUVs/off-road vehicles.
Documents
Completed and signed proposal form, copy of logbook, valuation report and proof of anti-theft device.
Identification
Copy of driving licence, KRA PIN certificate and national ID.
Financed Vehicles
A bank/financier's interest form is required where applicable.
How to Buy APA Motor Private Insurance?
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Choose your cover level – Third Party Only, Third Party Fire & Theft or Comprehensive.
2
Complete and sign the motor proposal form and provide your KYC documents.
3
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
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Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
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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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Life Insurance
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
