From minor scratches to major accidents, we ensure you never face the road alone.
The true value of insurance is tested only when things go wrong. At Kensing, we don’t just sell stickers; we manage risks. From the moment of an accident to the final settlement check, our dedicated claims team handles the police abstracts, garage assessments, and legal negotiations on your behalf.
Designed for private car owners, commercial vehicles, PSVs, and fleets.
The ultimate protection for your personal vehicle. Covers accidental damage, theft, fire, malicious damage, and Third Party liabilities. Includes free windscreen cover and radio protection.
Robust cover for business vehicles, trucks, and pickups. We offer specialized Fleet Management rates for companies with 5+ vehicles, ensuring your business never stops moving.
The mandatory legal minimum. Protects you against financial liability for damage to other people’s property or injuries to pedestrians and passengers.
Free Valuation Coordination: We arrange for your vehicle valuation at your convenience, often at discounted rates.
Digital Certificates: Get your DMVIP sticker sent directly to your phone and email instantly upon payment.
Political Violence & Terrorism: We ensure your policy includes excess protection and riots/strike cover (PVT), essential for total peace of mind.
Rescue & Towing: Access to 24-hour towing and accident rescue services across East Africa.
Answers to the most frequent questions about accidents, valuations, and coverage limits.
Third Party Only (TPO) is the minimum legal requirement; it covers damage you cause to other people’s vehicles or property, but not your own. Comprehensive covers everything: damage to third parties, plus damage to your own vehicle from fire, theft, or accidents, even if it was your fault.
Yes, for Comprehensive cover, a valuation is mandatory. It determines the current market value of the vehicle so you aren’t over-insured (paying too much premium) or under-insured (getting paid too little in a total loss). We can recommend approved valuers near you.
First, ensure everyone is safe. Do not admit liability at the scene. Take photos of the damage and the other car’s insurance sticker. Report the accident to the nearest Police Station to get a Police Abstract. Then, notify us immediately to start the claim process.
Standard motor policies usually exclude riots, strikes, and civil commotion. However, given the unpredictable nature of events, we highly recommend adding the PVT (Political Violence & Terrorism) extension for a small additional fee to ensure full protection during unrest.
This depends on your specific policy. “Loss of Use” (Courtesy Car) is usually an optional benefit that provides a replacement vehicle for a set number of days (e.g., 10 days) while yours is being repaired. Check your policy schedule to see if this is included or ask us to add it.
In the event of an accident, do not panic. As a Kensing client, you have a dedicated Claims Advocate.
