PSV Insurance Kenya 2026 Complete Guide
Matatu, bus, taxi, shuttle, school van & commercial vehicle cover for operators across Diani, Ukunda, Mombasa, Kwale, Nairobi & all of Kenya.
Quick Answer: What is PSV insurance in Kenya?
PSV insurance (Public Service Vehicle) in Kenya is a mandatory cover for vehicles used to transport passengers for hire or reward. It covers third-party liability, passenger liability, and optionally damage to your own vehicle. PSV insurance is required for matatus, buses, taxis, shuttles, school vans, and commercial vehicles.
Under the Insurance Act and Traffic Act, every PSV in Kenya must have valid third-party insurance. Driving without PSV insurance can result in fines, vehicle impoundment, and personal liability for accidents. PSV premiums start from KES 45,000 per year for small vehicles.
Precise Insurance Agency provides free quotes in 24 hours and same-day certificates — serving Diani, Ukunda, Mombasa, Kwale, Nairobi, and all of Kenya.
PSV insurance protects you, your passengers, and third parties when your vehicle is used to transport passengers for hire or reward.
Whether you own a matatu, bus, taxi, shuttle, or school van, PSV insurance is a legal requirement in Kenya. At Precise Insurance Agency, we compare PSV insurance plans from leading providers — Jubilee, Britam, CIC, APA, ICEA LION, Directline, and more.
From third-party cover for basic compliance to comprehensive cover for full protection, we help you find the right PSV insurance for your vehicle and route in Diani, Mombasa, Kwale, Nairobi, and across Kenya.
Did you know? PSV insurance premiums are calculated based on vehicle type, passenger capacity, route, age of vehicle, and claims history. Non-compliance can result in fines up to KES 50,000 and vehicle impoundment.
Matatu Insurance
Comprehensive cover for matatu owners, SACCOs, and operators.
What Matatu Insurance Covers
- Third-party bodily injury and property damage
- Passenger liability (up to policy limit)
- Damage to your own matatu (comprehensive)
- Theft, fire, and malicious damage
- Legal defense costs and settlements
Matatu Insurance for SACCOs
- Fleet discounts for SACCOs and large operators
- Centralised certificate management for members
- Dedicated claims handler for SACCO members
- Flexible payment plans for members
- Compliance support for NTSA and inspections
Bus Insurance
Bus insurance covers large passenger vehicles including PSVs, tour buses, and long-distance buses.
What Bus Insurance Covers
- Passenger liability: High limits for multiple passengers (e.g., 33, 49, 67 seats).
- Third-party liability: Injury and property damage to other road users.
- Own damage: Comprehensive cover for your bus (optional).
- Driver and conductor: Personal accident cover for crew.
- Legal defense: Costs of defending claims against your company.
Note: Bus insurance premiums depend on passenger capacity, route (local vs. long-distance), age of bus, and claims history.
Taxi & Ride-Hailing Insurance
Cover for taxis, Uber, Bolt, Little, and other ride-hailing vehicles.
What Taxi Insurance Covers
- Third-party liability for accidents
- Passenger liability for paying customers
- Damage to your taxi (comprehensive)
- Theft, fire, and malicious damage
- Personal accident cover for driver
Ride-Hailing Insurance
- Cover for Uber, Bolt, Little, and other apps
- Third-party and passenger liability
- Own damage cover for your vehicle
- 24/7 claims support
- Flexible payment plans
Shuttle & School Van Insurance
Shuttle and school van insurance covers vehicles used for organized passenger transport, including staff shuttles, school runs, and tour vans.
What Shuttle & School Van Insurance Covers
- Passenger liability: Cover for all passengers including children and staff.
- Third-party liability: Injury and property damage to other road users.
- Own damage: Comprehensive cover for your vehicle (optional).
- Driver and attendant: Personal accident cover for crew.
- Legal defense: Costs of defending claims against your business.
Note: School van insurance may require additional safety inspections and driver background checks. Contact us for details.
Boda Boda & Tuk Tuk Insurance
Boda boda and tuk tuk insurance covers motorcycles and three-wheelers used for passenger transport.
What Boda Boda & Tuk Tuk Insurance Covers
- Third-party liability: Injury and property damage to other road users.
- Passenger liability: Cover for pillion passengers.
- Own damage: Comprehensive cover for your motorcycle or tuk tuk (optional).
- Theft: Cover for stolen motorcycles and tuk tuks.
- Personal accident: Cover for the rider.
Note: Boda boda insurance is affordable and can be paid monthly. Contact us for a quote.
What's Covered & What's Not
Covered
- Third-party bodily injury and property damage
- Passenger liability (up to policy limit)
- Damage to your own vehicle (comprehensive)
- Theft, fire, and malicious damage
- Legal defense costs and advocate fees
- Personal accident cover for driver and conductor
- Towing and recovery (optional)
- Medical expenses for injured parties
Not Covered (Exclusions)
- Driving without a valid PSV licence
- Driving under the influence of alcohol or drugs
- Using a private vehicle for PSV operations
- War, terrorism, and riot-related damage
- Normal wear and tear and mechanical breakdown
- Fines and penalties
PSV Insurance Requirements in Kenya
To get PSV insurance in Kenya, you need the following documents and information:
- Vehicle logbook: Copy of the vehicle registration document.
- Driver's licence: Valid PSV driving licence for the driver.
- PSV licence: Valid PSV badge and vehicle inspection certificate.
- NTSA compliance: Valid NTSA inspection and roadworthiness certificate.
- Route details: Information about your route (local, long-distance, school, etc.).
- Passenger capacity: Number of seats and standing capacity.
- Claims history: Details of any previous claims (if any).
- Payment: Premium payment via M-Pesa or bank transfer.
Locations We Serve in Kenya
Precise Insurance Agency provides PSV insurance across Kenya. Walk-ins welcome at our Diani Beach office — or we'll come to you.
Claims Process — PSV Insurance
Filing a PSV insurance claim in Kenya is straightforward when you work with Precise Insurance Agency. We guide you through every step from notification to settlement.
- Report the incident immediately — Notify your insurer within 48 hours of any accident, theft, or damage.
- Secure the scene — Ensure safety, call police if required, and take photos of the damage.
- File the claim form — Complete the insurer's claim form with details of the incident.
- Provide supporting documents — Police abstract, photos, driver's licence, vehicle logbook, and repair estimates.
- Assessment & investigation — The insurer appoints a loss assessor to evaluate the claim.
- Settlement — Compensation is paid within 30–60 days of a completed claim.
Timeline: PSV claims are typically processed within 30–60 days. Complex claims may take longer, but Precise Insurance advocates on your behalf throughout.
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