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Get ComprehensiveMotor Insurancein 12 MonthlyPayments

Pay in 12 Monthly Instalments

Full-year cover, spread over your budget

Comprehensive Cover + Free Extras

Excess protector, windscreen & courtesy car

Get Your Monthly Quote

What is Bima Bamba?

Bima Bamba is a 12-month renewable motor private insurance policy that lets you pay your annual comprehensive premium in 12 monthly instalments. The first instalment includes the full Third Party (TPO) premium plus the first instalment of the comprehensive premium, with the balance spread over the remaining months. It covers loss or damage to your vehicle – collision, overturning, theft, fire, malicious damage and more – as well as third-party liability for death, injury and property damage, including court awards for liability and legal costs incurred.

Highlights

  • Full-year comprehensive motor cover, paid in 12 easy monthly instalments – 'lipa pole pole'.
  • Generous free extras: excess protector, PVT, windscreen and entertainment-unit cover.
  • Accident hospitalisation up to KSh 100,000 and medical expenses up to KSh 30,000.
  • AA membership plus a 10 or 20-day courtesy car – buy on the APA Happiness App.
Comprehensive motor cover paid in 12 easy monthly instalments
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What is Covered and Not Covered Under Bima Bamba?

Bima Bamba gives you a full year of comprehensive motor cover with generous free extras – all paid in 12 easy monthly instalments. Toggle between the categories below to understand the full scope of your cover.

1

Loss or Damage to Your Vehicle

Covers collision, overturning, theft, fire, malicious damage and more to your insured vehicle.

2

Third-Party Liability

Covers third-party death, injury and property damage, including court awards for liability and legal costs.

3

Accident Hospitalisation

The first 48 hours of hospitalisation following an accident, covered up to KSh 100,000.

4

Medical Expenses

Accident-related medical expenses covered up to KSh 30,000.

5

Free Windscreen Cover

Windscreen cover up to KSh 50,000 built into your policy at no extra cost.

6

Courtesy Car & AA

A 10 or 20-day courtesy car, plus AA Kenya membership and roadside assistance.

Backed by AA Kenya

Underwritten by APA Insurance (Kenya) Ltd, with AA Kenya roadside assistance included. Find your nearest branch.

What is the Eligibility Criteria to Buy Bima Bamba Motor Insurance?

Eligibility Criteria
Specifications
Vehicle Type
Private vehicles – saloons, station wagons, pickups/double cabins and SUVs/off-road vehicles.
Documents
Completed proposal form, copy of logbook, valuation report and proof of anti-theft device.
Identification
Copy of driving licence, KRA PIN and national ID.
Financed Vehicles
A financier's interest form is required where applicable.

How to Buy Bima Bamba Insurance Online?

1

Download the APA Happiness App from the Google Play Store, or open the Customer Web Portal.

2

Enter your vehicle details, get your comprehensive quote and choose the 12-month instalment plan.

3

Pay your first instalment – the full Third Party premium plus the first comprehensive instalment.

4

Your certificate is issued online instantly – or buy through any APA branch or intermediary.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

A 12-month comprehensive motor private insurance policy that lets you pay your annual premium in 12 easy monthly instalments – 'lipa pole pole'.

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