Motor Insurance

Drive Protected with Confidence.

Your car is more than just a vehicle – it’s an essential part of your everyday life. Whether you use it for family, business, or personal errands, protecting it against risk is not a luxury, but a necessity. At OWNIT Insurance Agency, we offer reliable, flexible, and affordable motor insurance solutions tailored to fit your lifestyle and budget.

As a licensed and award-winning insurance agency in Kenya, we connect you with top-tier underwriters to ensure that you receive fast service, fair premiums, and dependable claims support.

Trusted By Thousands

Thousands of Kenyans rely on OWNIT for honest advice, fast service, and reliable cover every day

Award-Winning Service

Recognised for leadership in client retention and unmatched commitment to care.

 

What We Cover

OWNIT offers a full range of motor insurance solutions for both individuals and corporates.

Comprehensive Motor Insurance
  • Covers damage to your car (accidents, theft, fire)
  • Includes third-party liability (injury or property damage to others)
  • Protects against vandalism, windscreen damage, flooding, and more
  • Optional add-ons: riot and strike, excess protector, loss of use, road rescue
Third-Party Only Insurance
  • Covers legal liability for injury or damage caused to others
  • Required by law in Kenya for all vehicle owners
  • Most affordable option for low-risk or older vehicles
Commercial & Fleet Insurance
  • Tailored solutions for logistics firms, rideshare drivers, company fleets, and matatus
  • Custom packages with fleet discounts and claim management support

Personal Accident Cover for Drivers

  • Lump sum payouts in case of accidental death or disability
  • Can be extended to include passengers and support staff

Why Choose Motor Insurance from OWNIT?

  • Fast Quotation & Onboarding – Get covered the same day
  • Swift Claims Processing – We walk with you from incident to payout
  • Wide Network of Garages – Access approved repair centres across Kenya
  • Transparent Policies – No hidden charges or tricky clauses
  • Dedicated Relationship Managers – You’re never alone in case of a claim

Whether it’s a private car, delivery van, tuk-tuk, or company SUV, we’ll match you with the most suitable cover at the best value.

Apply for Insurance

Submit your vehicle and personal details online or in person.

Application Review

We evaluate your needs and recommend the best cover options.

Meeting & Enquire

Our team walks you through the cover, answers questions, and finalises your policy.

Properties

Frequently Asked Questions

In car insurance, “excess” refers to the amount you are required to pay out-of-pocket when making a claim. For example, if your policy has an excess of Ksh 10,000 and your car damage claim amounts to Ksh 100,000, the insurer will pay Ksh 90,000 and you will cover the remaining Ksh 10,000.

An Excess Protector is an optional add-on that ensures the insurance company pays the full cost of the claim, including the excess. This is especially useful in comprehensive covers where high repair costs or frequent claims can lead to repeated out-of-pocket expenses. At OWNIT, we recommend excess protectors for both private and commercial vehicle owners to maximise your coverage and reduce stress during claims.

Comprehensive insurance covers damage to your vehicle, theft, fire, and liability to others. It also includes benefits like windscreen replacement and towing.
Third-party insurance only covers damages or injuries you cause to other people, their vehicles, or property—it does not cover your own car. Third-party is the minimum legal requirement in Kenya.

First, notify OWNIT immediately. We’ll guide you through the step-by-step claim process, including a police abstract, claim form, and photos if needed. After that, we liaise with the insurance company and the garage to ensure your vehicle is assessed and repaired or replaced as quickly as possible. You’ll have a dedicated claims support manager throughout the process.

At OWNIT, we prioritise speed and efficiency. Once you provide the required documents (ID, logbook copy, KRA PIN, etc.), we can process your quote and issue your cover within the same day. In most cases, digital insurance certificates and stickers are ready within hours.

For Individuals:

  1. Share your vehicle details (logbook copy, ID, KRA PIN)

  2. Choose between comprehensive or third-party cover

  3. Receive your quote and pay your premium

  4. Get your digital insurance certificate and sticker

For Corporates & Fleets:

  1. Submit your vehicle list and cover requirements

  2. OWNIT prepares a consolidated proposal with discounted rates

  3. Onboard your fleet with dedicated claims and renewal support

 

Road Safety + Financial Security = Peace of Mind

Many Kenyans drive without fully understanding what their motor policy includes. At OWNIT, we make sure you know what you’re covered for—and support you when it matters most. Whether you’re replacing a windscreen or handling a major accident claim, we’re by your side.

📞 Need a quote today? Let us handle it.
+254 722 667 531 | +254 791 388 191
Email info@ownitagency.com