Motor Vehicle Insurance

Comprehensive Cover

Full protection against damage, theft and third-party liability.

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Full protection against damage, theft and third-party liability.

Benefits

Own damage
Theft
Third-party liability
Excess waiver options
Courtesy car

Get this cover

Speak to an Oakstem advisor and receive a tailored quote within 24 hours.

Request a Quote → +254 717 966 970

Trusted Underwriters

We compare quotes across 15+ leading insurance companies in Kenya to negotiate the right cover at the right price.

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Included

What this cover includes

Own damage
Theft
Third-party liability
Excess waiver options
Courtesy car

Excluded

Typical exclusions

Pre-existing conditions or losses arising before the policy inception date
Wilful or fraudulent acts by the insured
War, nuclear risks and government action (subject to specific extensions)
Wear and tear, mechanical breakdown and gradual deterioration

Get ready

Documents we will need

National ID or KRA PIN of the proposer
Asset / insured-item details (registration, valuation, etc.)
Previous claims history if any
Any underwriter-specific declarations

FAQ

Frequently Asked

Quick answers about Comprehensive Cover.

Most policies are issued within 24–48 hours of receipt of complete documentation and premium.

Many of our underwriters allow quarterly or monthly instalments for qualifying policies — we will confirm at quotation.

Notify Oakstem immediately on +254 717 966 970 or info@oaksteminsurance.co.ke. We will guide you through documentation and follow the claim through to settlement.

Other cover in this pillar

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Third Party Cover

Statutory cover for damage or injury to third parties.

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