Motorcycle & Boda Boda Insurance in Kenya
Every motorcycle in Kenya — private or boda boda — needs at least third party insurance to be on the road legally. Here’s what it covers, what it costs, and how to get your certificate the same day.
How much is motorcycle insurance in Kenya?
Third party motorcycle cover starts from about KES 1,000 a month, or roughly KES 2,750–4,000 a year. Commercial (boda) use may sit at the higher end because of the extra road exposure. See how this compares across vehicle types on our third party prices page.
What motorcycle third party insurance covers
- Injury or death you cause to other people, including passengers and pedestrians.
- Damage you cause to other people’s property.
It does not cover your own injuries or damage to your own motorcycle. Riders who want protection for themselves often add personal accident cover.
Monthly vs annual cover for boda riders
Motorcycle cover can be bought monthly or annually. Monthly cover suits boda riders who prefer to pay as they earn, while annual cover is cheaper overall. Either way, you get a genuine certificate recorded on DMVIC.
How to get covered
Request a quote with your motorcycle details, pay via M-Pesa, and receive your certificate by email — usually within minutes. You’ll need your ID and the logbook.
Boda boda insurance for SACCOs and fleets
If you run several motorcycles or a boda SACCO, we can arrange cover for the whole group. Get in touch with your numbers and we’ll quote the fleet.
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Frequently asked questions
How much is boda boda / motorcycle insurance in Kenya?
Third party motorcycle cover starts from about KES 1,000 a month, or roughly KES 2,750–4,000 a year. The exact price depends on whether it’s private or commercial (boda) use.
Is insurance a legal requirement for a motorcycle in Kenya?
Yes. Like any motor vehicle, a motorcycle must have at least third party insurance to be ridden legally on Kenyan roads.
Can I pay for boda boda insurance monthly?
Yes — monthly third party cover is common for motorcycles, which suits boda riders who prefer to pay as they earn. Annual cover works out cheaper per month.
Does motorcycle insurance cover the rider and passengers?
Third party covers injury and damage you cause to others, including passengers as third parties. It does not cover your own injuries — for that you’d add personal accident cover.
Insure your motorcycle today
Third party cover from KES 1,000/month. Certificate in minutes via M-Pesa.