Enquire Personal Protection
Personal Accident Cover
Protection When Life Takes an Unexpected Turn
Personal Protection
Motor Insurance
Stay protected every time you drive
Cover for your car, bike, lorry, or fleet against accidents, theft, fire, and damage you cause to others.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
It pays the big costs of a vehicle — accident repairs, theft, fire, or a claim from someone you injure. Third-party is the legal minimum; higher levels also protect your own vehicle.
Why it matters
Why it matters
An accident, theft, fire, or storm can each mean a sudden large bill and time off the road. Motor insurance turns that into a claim you can manage.
Cover for every vehicle on the road
For a family it's how you get to work and school; for a business it's how goods move and revenue is earned. One accident, theft, or fire can mean a large bill and days off the road.
Matched to how you use the vehicle
Private cars, boda bodas, matatus and taxis, pickups and lorries, special vehicles, and company fleets — we match the cover to how the vehicle is actually used.
Who it's for
Who this cover is for
- Private cars, vans, and SUVs
- Taxis, matatus, buses, and ride-hailing cars
- Pickups, lorries, and trucks
- Motorbikes (boda boda) and tuk tuks
- Special vehicles — tractors, tankers, cranes, and bowsers
- Company and institutional fleets
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Third Party (TPO)
The legal minimum. Pays for injury or damage you cause to other people and their property. Your own vehicle is not covered.
02
Third Party, Fire & Theft (TPFT)
Everything in Third Party, plus your own vehicle if it is stolen or catches fire. Accident damage to your vehicle is not covered.
03
Comprehensive
The widest cover. Your own vehicle for accidents, theft, and fire, plus injury or damage you cause to others.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
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Accidents
Damage to your vehicle from a crash, knock, or roll-over.
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Third-party protection
Injury or property damage you cause to someone else.
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Theft
Your vehicle stolen, or parts and accessories taken.
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Fire
Damage from an accidental fire, self-ignition, or lightning.
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Windscreen & accessories
Broken glass and fitted extras, up to the policy limit.
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Floods & storms
Weather damage, where your policy is extended to include it.
Key benefits
What you get with the cover
Accident repairs
On Comprehensive cover, damage to your vehicle from an accident is covered, subject to policy terms.
Theft & fire payout
A payout if your vehicle is stolen or damaged by fire.
Third-party claims
Covers claims from people you injure or whose property you damage.
Windscreen & sound system
Glass and fitted accessories up to a free limit, with top-up cover available.
Towing & breakdown help
Recovery to a garage after an accident or breakdown, where the insurer offers it.
Towing and breakdown help are assistance services rather than insurance cover; their availability and limits depend on the insurer and the cover level chosen.
Cover details
Excess and cover limits
The excess is the amount you contribute towards each claim. The figures and conditions below are typical and vary by insurer and by the extensions on your policy.
Excess
The part of each claim you pay yourself — usually around 2.5% of the vehicle value for private cars and 5% for commercial or PSV vehicles, with an insurer minimum. Exact figures vary by insurer.
Theft excess
This can be lower if your vehicle has a working tracker or anti-theft device.
Excess Protector
An optional add-on that reduces or removes your accident excess. It usually works once per claim and has to be renewed after you use it.
Windscreen & sound system
Covered up to a free limit. If your glass or sound system is worth more, you can buy extra cover.
Political violence & terrorism (PVT)
Optional cover for damage from riots, strikes, and political violence, when the extension is added.
Pre-existing damage & wear
Damage that was already there, plus normal wear and ageing, is not covered.
Exclusions
What's not covered
Normal wear and tear
Loss of value over time (depreciation)
Driving under the influence of alcohol or drugs
Damage that was there before the policy started
Modifications you did not declare
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- National ID
- KRA PIN
- Logbook (or import documents)
- Vehicle valuation, where the insurer asks for one
- Payment of the premium
To make a claim
- Filled-in claim form
- Driver's ID and licence
- Police abstract
- Vehicle logbook
- KRA PIN
- Photos of the vehicle and the scene
- Towing receipt, if the vehicle was towed
- Anything else the insurer asks for
Report an accident to Cush or your insurer as soon as you can — ideally within 24 hours — and to the police where needed. Then send in your claim form and documents so the assessment can start.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Third Party
Covers injury or damage you cause to other people and their property.
Comprehensive
The widest cover — your own vehicle and other people.
Excess
The part of a claim you pay yourself.
Excess Protector
An add-on that reduces or removes your excess after an accident.
Third Party, Fire & Theft (TPFT)
Third-party cover, plus your own vehicle if it is stolen or catches fire.
Political Violence & Terrorism (PVT)
Optional cover for damage from riots, strikes, and political violence.
FAQ
Frequently asked questions.
The essentials on motor insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsWhat's the difference between Third Party and Comprehensive?
Third Party is the legal minimum — it only pays for damage or injury you cause to others. Comprehensive also covers your own vehicle for accidents, theft, and fire.
What documents do I need?
Your National ID, KRA PIN, logbook or import papers, and payment of the premium.
How do I report a claim?
Tell Cush or your insurer within 24 hours, report to the police, and take photos of the scene. We'll guide you through the paperwork.
Do I need a valuation?
For Comprehensive cover, most insurers want the vehicle inspected first so its value — and any future claim — is accurate.
How fast can I get covered?
Once your documents and payment are in, cover is often issued the same day.
Does Comprehensive cover the driver and passengers?
No. It covers the vehicle and other people only. Injury to you or your passengers needs separate personal accident cover.
What is excess protection?
An add-on that waives or refunds your excess on accident claims. It's used up after one claim and has to be renewed, and it doesn't apply to theft, fire, or PVT.
Is pre-existing damage covered?
No. Any damage already on the vehicle is noted at valuation and won't be paid for in a claim.
Should I admit fault after an accident?
No — never admit liability at the scene. Let the police and insurers work it out; admitting fault can put your claim at risk.
Flexible cover
Cover that fits your situation
Every driver and business runs a little differently, so the policy should match your vehicle and how you use it. Our advisors walk you through the cover levels, add-ons, and fleet options and help you choose what actually fits.
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