APA Insurance
Fleet manager beside a commercial truck with mosaic effect, illustrating APA Motor Commercial Insurance

Solutions > Insure > Business > Protect Your Business > Motor > Motor Commercial

Drive Protectedwith MotorCommercialInsurance

TPO to Comprehensive

Flexible cover for commercial fleets

Online Certificates & COMESA

Instant certificates, extendable across the region

Get Your Commercial Motor Quote

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.
Fleet manager beside a commercial delivery truck, protected by APA Motor Commercial Insurance
Get a quoteBuy Insurance Now

What is Covered and Not Covered Under Motor Commercial?

Motor Commercial protects your commercial vehicles against accidents, fire and theft — with cover from Third Party to Comprehensive. Toggle between the categories below to explore your cover.

1

Third Party Only (TPO)

Legal minimum — third-party bodily injury, death and property damage as required by law.

2

Third Party Fire & Theft

TPO cover plus loss or damage to your commercial vehicle by fire or theft.

3

Comprehensive Cover

Accidental collision/overturning, fire, theft, malicious damage, third-party liabilities and special perils.

4

Commercial Vehicle Types

Trucks, trailers, pick-ups, PSV, institutional buses/vans, special vehicles and tankers.

5

Free Cover Extensions

Towing, authorised repair, medical expenses, entertainment unit and windscreen — per policy limits.

6

Passenger Legal Liability

Comprehensive limits for passenger legal liability on applicable commercial vehicle classes.

Find an APA Branch

Buy through any APA branch or intermediary, with optional AA Kenya roadside assistance. Find the nearest office.

Eligibility & Documentation for Motor Commercial Insurance

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?

1

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.

4

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.

View All Resources

Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

Real Stories from Customers Who Trust Our Coverage

Learn why professionals trust our solutions to complete better customer journeys.

View all Stories

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

You're just one step away

Get your quote now and protect what matters most.

Get a quote

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.

DOWNLOAD ON THEApp StoreGET IT ONGoogle Play

APA, Insuring Happiness

What would you like to protect?

+

Health Insurance

Your Health, Our Priority

+

Motor Insurance

Drive Safely

+

Life Insurance

Enjoy every moment

“The easiest way to manage my cover.”

— Sarah K., Nairobi