02/08/2022
PSV Car Insurance In Kenya
A PSV is a Public Service Vehicle offering a mode of transport from point A to B. PSV vehicles are the most common mode of transport providing up to 70% of all mode of transport in Kenya in major towns and upcountry. Most of these vehicles operate within towns and cities with the rest operating routes from one town to another/others and a small majority operating across borders e.g. to Uganda, Tanzania, etc. All motor vehicles in Kenya including PSVs require car insurance in Kenya to operate on the road.
Types Of PSV Vehicles
These vehicles that fall under this category of PSVs include:
Matatus & Buses
This the most popular type of PSVs on the roads in Kenya. They come in 3 main modes, the 14 seater minivan, more popular are the minibus and bus ranges sitting anywhere from 29 to 47 passengers.
Tour Vans
These are used to carry visitors and tourists on safaris in and out of the city, they mainly comprise of Land Cruiser 4x4 and mini vans.
Chauffer Driven vehicles
These are vehicles driven by a specific driver and assigned an organized PSV group provider such as hotels, Uber, Little Cab, Modi, Pewin just to mention a few. This class is considered less risky as it is assigned to a specific driver.
Car hire vehicles
These are vehicles that are hired by any individual to carry out their businesses and/or trip. This class is risky in the as the vehicle can be driven by any person and sometimes, the vehicles can used to other activities not covered by the insurer.
Yellow Line Taxis
These operate on defined routes, popular are the airport taxis that shuttle people from the main international airports.
Boda Boda
Though not classified as a motor vehicle, another category that is classified in this category is the PSV motor cycle, commonly referred to as “Boda Boda”. Popular in Kenya and the East African region for the price and convenience simply because it gets around much faster than motor vehicles especially during peak hours with heavy traffic on the roads.
In Kenya, like any other class of motor insurance, PSVs need to be insured before being given the license to operate as one. There are three times of PSV insurance covers currently available namely:
1. Third Party Only
2. Third Party, Fire and Theft
3. Comprehensive Insurance.
For the best customer service talk to us MEGAN Insurance Agency
