Comprehensive motor insurance coverage for complete peace of mind on the road
At Clear Plan Insurance, we understand that your vehicle is an essential part of your daily life. Our comprehensive car insurance solutions are designed to protect you, your passengers, and your vehicle against accidents, theft, and unexpected events on Kenyan roads.
Whether you own a personal car, commercial vehicle, or fleet of vehicles, we offer flexible coverage options that meet legal requirements while providing the protection you need. From Third Party coverage to Comprehensive policies, we have solutions for every driver and budget.
Mandatory legal coverage protecting you against liability for injury or damage caused to third parties in an accident where you're at fault.
Enhanced coverage including third-party protection plus coverage for fire damage and theft of your vehicle.
Complete protection covering own damage, theft, fire, and third-party liability—the most extensive coverage available.
Additional protection providing compensation for injury, disability, or death of the driver and passengers in a motor accident.
Value-added services ensuring you stay mobile while your vehicle is being repaired after a covered incident.
Extended coverage allowing you to drive in East African countries with the same level of protection as in Kenya.
Third Party insurance only covers damage you cause to others (legally mandatory). Comprehensive insurance covers damage to your own vehicle plus third-party liability. While Third Party is cheaper, Comprehensive offers complete protection including theft, fire, and own-damage coverage—recommended for newer or financed vehicles.
Immediately notify us within 24 hours via phone or our mobile app. Obtain a police abstract if there are injuries or significant damage. Take photos of the accident scene and damage. Submit your claim form with the police abstract, driving license, logbook, and repair estimates. We'll guide you through the entire process and arrange vehicle assessment.
Making a claim may affect your No Claims Discount (NCD) at renewal. However, the impact depends on the claim type and circumstances. Non-fault accidents where you recover costs from the third party typically don't affect your NCD. We offer NCD protection as an optional add-on to preserve your discount even after claims.
Yes, you can add named drivers or opt for "Any Authorized Driver" coverage. Named drivers must be listed on your policy, while Any Authorized Driver covers anyone with your permission and a valid license. Additional driver coverage may increase your premium based on the drivers' age and experience.
Premiums are calculated based on vehicle value, age, make and model, engine capacity, usage (private or commercial), driver's age and experience, location, security features, and claims history. Comprehensive cover costs more than Third Party, but you can reduce premiums by increasing your excess, installing tracking devices, or maintaining a good claims history.
Get an instant car insurance quote today and drive with confidence knowing you're fully protected.