PSV & Matatu Insurance in Kenya
If your vehicle carries paying passengers — a matatu, bus, taxi or ride-hailing car — you need proper PSV cover, not private car insurance. Here’s what PSV insurance covers, what it costs, and how to get a quote.
What is PSV insurance?
PSV (Public Service Vehicle) insurance covers vehicles that carry passengers for payment. Because passengers are involved, PSV policies carry higher third-party liability than private cover — which is why private car insurance won’t do for commercial passenger use.
How much does PSV insurance cost?
Third party PSV and hailing-app taxi cover typically runs about KES 4,500–9,000 a year, reflecting the higher risk of carrying passengers. Comprehensive PSV cover costs more and is rated on the vehicle’s value and use. See how PSV compares with other classes on our third party prices page.
Uber, Bolt and taxi drivers
If you drive for Uber, Bolt or any taxi service, you carry paying passengers — so you need PSV/commercial cover, not a private policy. Driving ride-hailing on private cover can lead to a claim being rejected when you need it most.
Third party vs comprehensive for PSVs
Third party keeps you legal and covers passengers and other road users. Comprehensive also protects your own vehicle against accident, fire and theft — worth considering given how hard a PSV works. We compare insurers that specialise in PSV to find your best rate.
Get a PSV quote
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Frequently asked questions
How much is PSV insurance in Kenya?
PSV and hailing-app taxi third party cover typically runs about KES 4,500–9,000 a year, reflecting the higher passenger-carrying risk. Comprehensive PSV cover costs more and is rated on the vehicle value and use.
What is PSV insurance?
PSV (Public Service Vehicle) insurance covers vehicles used to carry paying passengers — matatus, buses, taxis and ride-hailing cars. It carries higher liability limits than private cover because of the passengers involved.
Do Uber and Bolt drivers need PSV insurance?
Yes. If you carry paying passengers, private car insurance is not enough — you need the correct PSV/commercial cover. Driving ride-hailing on a private policy can invalidate a claim.
Can I get comprehensive PSV cover?
Yes. Comprehensive is available for PSVs and taxis and protects your own vehicle as well as passengers and third parties. We compare insurers that specialise in PSV to get you the best rate.
Insure your PSV the right way
Proper passenger cover from insurers who specialise in PSV.