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 > Insure > Personal > Protect What You Love > Motor Solutions
Flexible cover to suit your needs
Instant certificates, extendable across the region
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.
APA Motor Private offers flexible cover – from the legal-minimum Third Party to full Comprehensive – with valuable optional add-ons. Toggle between the categories below to understand the full scope of your cover.
Injury/death up to KSh 10m any one event (KSh 3m per person) and third-party property up to KSh 20m.
Comprehensive covers accidental collision/overturning, fire, theft, malicious damage and special perils.
Passenger legal liability up to KSh 4m per person and KSh 10m in all.
Windscreen cover up to KSh 50,000 and entertainment-unit cover up to KSh 30,000.
Towing up to KSh 50,000, authorised repair up to KSh 30,000 and medical expenses up to KSh 30,000.
Geographical area is Kenya, extendable to East Africa/COMESA countries via a COMESA card.
Buy through any APA branch or intermediary, with optional AA Kenya roadside assistance. Find the nearest office.
Choose your cover level – Third Party Only, Third Party Fire & Theft or Comprehensive.
Complete and sign the motor proposal form and provide your KYC documents.
Buy through an APA branch or intermediary – call 0709 912 777 or email info@apainsurance.org.
Your certificate of insurance is issued online on receipt and acceptance of your details.
Access policy documents, claim forms, renewals, and important resources anytime.
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APA, Insuring Happiness
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
Your Health, Our Priority
Motor Insurance
Drive Safely
Life Insurance
Enjoy every moment
“The easiest way to manage my cover.”
— Sarah K., Nairobi
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