Commercial Vehicle Insurance in Kenya
Pickups, lorries, trucks and vans used for business need commercial motor cover. Here’s how it’s priced, what to consider, and how to insure a single vehicle or a whole fleet.
How much is commercial vehicle insurance?
Third party cover for commercial vehicles is priced by tonnage — roughly KES 8,500 to 40,000 a year, with pickups and light commercials at the lower end (about KES 7,500–25,000) and heavy lorries at the top. Comprehensive is rated on the vehicle’s value and use. Compare classes on our third party prices page.
What counts as a commercial vehicle
Any vehicle used to carry goods or for business use — pickups, vans, lorries, trucks and tankers. Because of their load and mileage, they’re rated differently from private cars.
Third party vs comprehensive
Third party keeps you legal and covers damage you cause to others. Comprehensive also protects your own vehicle — worth it for expensive commercial units that are core to your business. We compare insurers to balance cost against the cover you need.
Goods-in-transit and add-ons
Motor cover protects the vehicle, not the cargo. If you move goods for business, add goods-in-transit (GIT) cover for the load. We can bundle GIT and other add-ons with your motor policy.
Fleet insurance
Running several vehicles? A single fleet policy is simpler to manage and often better value than insuring each vehicle separately. Send us your fleet details and we’ll quote the whole set.
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Frequently asked questions
How much is commercial vehicle insurance in Kenya?
Third party for commercial vehicles is priced by tonnage — roughly KES 8,500 to 40,000 a year, with pickups and light commercials at the lower end (about KES 7,500–25,000) and heavy lorries at the top. Comprehensive is rated on vehicle value and use.
What counts as a commercial vehicle?
Vehicles used to carry goods or for business — pickups, vans, lorries, trucks and tankers. They’re insured differently from private cars because of their use and load.
Can I insure a fleet on one policy?
Yes. If you run several vehicles we can arrange fleet cover under one policy, which is simpler to manage and often better value than insuring each separately.
Is goods-in-transit cover included?
Not automatically. Goods-in-transit (GIT) is a separate cover for the cargo you carry. We can bundle it with your motor cover if you move goods for business.
Cover your commercial vehicles
Single vehicles or full fleets — insured for the work they do.