Kenya · InsuranceMotorInsurance
Same-day cover. Fast claims. Real protection for Kenyan roads.
Trusted Cover
Kenya · Acentria
About This Cover
Why Motor Insurance?
Kenya has over 4 million registered vehicles and one of Africa's highest road accident rates. Your motor insurance isn't optional — but choosing the right cover is. Acentria Motor Insurance gives you transparent pricing, same-day policy issuance, and a claims team that answers in under 2 minutes. From your first private car to a 50-vehicle corporate fleet, we have the right plan.
"Same-day cover. Fast claims. Real protection for Kenyan roads."
Coverage Details
What's Covered
Motor Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Same-day policy issuance — digital certificate sent immediately
Comprehensive cover from KES 35,000/yr · Third Party from KES 7,500/yr
Claims hotline answered in under 2 minutes, 24/7
Emergency roadside assistance — towing, fuel, flat tyre, anywhere in Kenya
New-for-old vehicle replacement within the first 12 months
Courtesy vehicle during repairs at an approved garage
Windscreen replacement with unlimited cover (Comprehensive)
Personal accident up to KES 1,000,000 for driver and passengers
Loss or damage by fire, theft, and natural perils
NTSA-compliant insurance certificates issued instantly
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Comprehensive Motor Insurance
Full protection for your vehicle against accidental damage, theft, fire, and third-party liability. The most complete cover for total peace of mind.
- Own damage cover
- Third-party bodily injury & property damage
- Theft and fire protection
- Windscreen replacement
- Personal accident cover
- Courtesy car during repairs
- Roadside assistance
Third Party Only
Covers your legal liability for injury or damage caused to others. A cost-effective option that meets the minimum legal requirement in Kenya.
- Third-party bodily injury liability
- Third-party property damage liability
- Legal defence costs
- Emergency medical expenses
Compare Plans
Coverage Comparison
See exactly what's included in each plan — so you can choose with confidence.
| Coverage Item | Most Popular Comprehensive Motor Insurance From KES 35,000/yr | Third Party Only From KES 7,500/yr | Comprehensive |
|---|---|---|---|
| Own accidental damage | |||
| Third-party bodily injury | |||
| Third-party property damage | |||
| Fire and theft | |||
| Windscreen replacement | KES 30,000 | Unlimited | |
| Personal accident cover | KES 500,000 | KES 1,000,000 | |
| Roadside assistance | |||
| Courtesy vehicle | |||
Why Acentria
Why Choose Us
48-Hour Claims Resolution
We've paid 14,850+ claims in 2025. Our motor claims team targets resolution within 48 hours — not weeks. You get back on the road, fast.
200+ Approved Garage Network
Choose from 200+ approved garages across Kenya. Quality repairs, OEM parts, no inflated quotes — and we manage the process for you.
Flexible Payments via M-Pesa
Pay monthly, quarterly, or annually. M-Pesa, card, or bank transfer. No payment reason to delay your cover.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
Get an Instant Estimate
Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Claim
SME Fleet Owner
A Nairobi-based SME fleet owner suffered a serious rear-end collision on the Thika Superhighway. Acentria lodged the claim, appointed an approved repairer, and managed all insurer correspondence. The full repair cost was paid and the vehicle returned to the road in 12 working days — minimising lost business income.
Amount Paid
KES 1,850,000
Settlement
12 days
Health — Emergency Hospitalisation
Corporate Professional
A Nairobi-based corporate professional required an emergency appendectomy at Aga Khan Hospital. Acentria obtained pre-authorisation within 2 hours of notification. The hospital bill was settled directly with the insurer — the client paid nothing out of pocket and was discharged within 5 days.
Amount Paid
KES 340,000
Settlement
5 days
Home — Burglary & Theft
Private Individual
A Karen homeowner returned from travel to find electronics and valuables stolen during a break-in. Acentria lodged the police abstract and supported the client through the claims documentation. New-for-old replacement at current market value was settled in 8 working days — no depreciation applied.
Amount Paid
KES 680,000
Settlement
8 days
Business — Fire & Business Interruption
Industrial Area SME
An electrical fire at an Industrial Area warehouse destroyed a significant portion of stock. Acentria appointed a specialist loss adjuster within 24 hours and activated the business interruption cover simultaneously. Stock replacement and ongoing business expenses were paid throughout the rebuild — total settlement reached in 18 working days.
Amount Paid
KES 4,200,000
Settlement
18 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Motor Insurance.
Speak with one of our Kenya specialists today and get a personalised solution within 24 hours.
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