Confident car owner beside their private vehicle, mosaic illustrating APA Motor Private Insurance

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TPO to Comprehensive

Flexible cover to suit your needs

Online Certificates & COMESA

Instant certificates, extendable across the region

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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?

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.

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.

2

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.

4

Windscreen & Entertainment

Windscreen cover up to KSh 50,000 and entertainment-unit cover up to KSh 30,000.

5

Towing, Repair & Medical

Towing up to KSh 50,000, authorised repair up to KSh 30,000 and medical expenses up to KSh 30,000.

6

Regional Cover

Geographical area is Kenya, extendable to East Africa/COMESA countries via a COMESA card.

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 Private Insurance

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?

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

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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.

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