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Motor Comprehensive Insurance
Comprehensive Insurance Solutions for Peace of Mind
Motor Comprehensive insurance is the highest level of vehicle protection available in Kenya.
It covers: accidental damage to your own vehicle, theft or attempted theft of the vehicle, fire damage (accidental), third-party death, injury, and property damage, total loss (where repair cost exceeds 50% of the vehicle’s insured value), malicious damage, civil commotion, riots and strikes, natural perils (storms, floods, hail), windscreen damage (typically KES 30,000–50,000 limit), and roadside assistance and towing (depending on provider). Optional add-ons include: political violence and terrorism cover, excess protector, courtesy car while your vehicle is in the garage, entertainment system cover, and COMESA Yellow Card for regional travel across East Africa. Note: Comprehensive motor insurance does NOT cover mechanical or electrical breakdown, normal wear and tear, or injuries to passengers (a separate Personal Accident cover is required).
Empowering Employees & Members
Financially secure employees are more engaged, productive, and less stressed. For groups, financial literacy strengthens solidarity, promotes smarter collective decisions, and fosters long-term sustainability.
Tailored to Diverse Audiences
Whether you’re a corporate team, SME, NGO, government institution, or community group, we adapt our training to suit your unique financial needs and realities.
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Benefits of Insurance
Credit or loan protection
Credit providers, such as hire purchase firms, banks, microfinance institutions, and others, require customers to have credit or loan insurance policies in order to receive the facility. The sum assured provides lenders with financial security in the case of a customer’s premature death or disability. A common example is the acquisition of a house with a mortgage, in which the policyholder can obtain decreasing or endowment life insurance to protect the outstanding loan plus interest in the event of the customer’s death or disability.
Partnership protection
People can transact business in the form of a partnership, in which their individual shares are held separately. When a partner dies and the partnership is dissolved, the deceased partner’s ownership passes to their dependents, who may not be competent or interested in entering the partnership. As a result of this complication, most partners enter into an arrangement that allows their counterpart(s) to buy their shares after their death. As a result, the partners would purchase a partnership protection insurance policy that would give the surviving partner the funds needed to buy such shares upon the death of the counterpart(s).
Savings
The premiums paid for certain life insurance plans serve as money saved now for later purpose, such as saving for children’s further education or earning an income in old age. Unlike savings through financial institutions such as banks, savings and credit cooperatives, and others, saves through life insurance instills discipline in saving. How? By ensuring that such funds are not to be withdrawn until they have at least reached surrender value. This means that the policy has been in effect and premiums have been paid for three years.
Investments
The pool of premiums collected by insurance companies are ideally held to indemnify or compensate the sum covered in the event of a loss. However, the loss is not guaranteed, so insurers can lend a considerable percentage of the premium funds to the government and other capital market players. The policyholders may receive returns on premiums lent. In this way, insurance creates opportunities for policyholders to invest.
Peace of mind.
The basic idea of insurance is that if a loss occurs, the insurer will compensate or indemnify the insured. As a result, when people, families, and businesses pay small premiums and obtain insurance, they have peace of mind knowing that if the covered risk occurs, they will be reimbursed or indemnified. For example, if the business premises catch fire, the investor is so much worried because the insurer will step in to cover the losses. Similarly, in case of a premature death of policyholder in life assurance, the dependants will be guaranteed some income in the future.
Family and business financial security or protection
Insurance protects individuals, families, and organizations against financial loss. For example, in the event of a policyholder’s untimely death under life assurance, the dependants will be paid a lump sum or an income to compensate for the financial loss caused by the death. When a business suffers a loss, the insurance indemnifies the insured and ensures the business’s continuity.
Life Assurance, Investments, Retirement Benefits Services
Under this, we assist our clients to access:
- Term assurance
- Whole life assurance
- Endowment assurance
- Children assurance
- Annuities
- Group life assurance
- Retirement benefit schemes
Insights - Health Insurance (Private Medical Cover)
SHIF in Kenya is helpful — but it may not fully protect you from medical bankruptcy. In this document, I explain the difference between government medical cover and comprehensive health insurance in Kenya.
Insights - Medical Insurance (Corporate and SMEs Medical Cover)
Corporate medical insurance protects your employees — but poor structuring exposes your business to financial risk. If you run a company in Kenya, this is what you must understand about group medical cover and corporate risk exposure.
Insights - Medical Insurance (Senior, pre-retiree medical cover and transition plans)
Retirement in Kenya stops your income — but medical expenses continue. This document explains why retirement medical planning is critical for Kenyan professionals and business owners.
Insights - Medical Insurance (Post-Retirement Medical Fund PRMF)
Retirement ends your income, but it does NOT end your healthcare needs.
In Kenya, many retirees face financial stress because they do not have a structured post-retirement medical plan. Relying on employer cover, SHIF, or savings alone can expose you to serious medical risk.
In this document, you’ll learn:
- Why most Kenyans lose medical cover after retirement
- The gap between employer insurance and retirement reality
- How medical costs increase as you age
- What a Post-Retirement Medical Fund (PRMF) is and how it works
- Practical steps to secure your healthcare after retirement
If you are a professional, business owner, or approaching retirement, this is a must-read.
Frequently Asked Questions
Who is the CGC Personal Finance & Family Wealth Management Program designed for?
We provide a wide range of insurance solutions including long-term insurance (such as life assurance and retirement benefit schemes) and general insurance (covering property, liability, transport, health, agriculture, and more).
How do I know which insurance cover is right for me or my business?
Our team offers personalized consultations to assess your specific needs and recommend the most suitable insurance options based on your lifestyle, risk level, business type, and future goals.
Do you assist with claims processing?
Yes, we support our clients throughout the claims process to ensure smooth, timely, and fair settlement. We advocate on your behalf and help gather necessary documentation.
Can individuals and businesses access your services?
Absolutely. We serve individuals, families, entrepreneurs, SMEs, corporates, and nonprofit organizations with tailored insurance packages that address their unique risk profiles.
How can I get started with a policy?
You can contact us directly via phone or WhatsApp at +254 117 575 648 or +254 750 611 664 to speak with one of our insurance advisors. We’ll guide you step-by-step through selection and enrollment.
Insights - Life Insurance (Term Life Cover)
If you died tonight, would your family face dignity — or debt? Life insurance in Kenya is not about death. It’s about financial protection and family stability.
Protect what matters.
Insights - Life Insurance (Children Education Cover)
Education costs in Kenya are rising every year. If you don’t plan early, your child’s university dream may become a financial burden.
Learn how education planning and insurance savings plans work in Kenya.
Insights - Life Insurance (Disability & Critical Illness Cover)
Most Kenyans insure against death — but ignore disability risk. Disability is statistically more likely than early death, yet financially devastating.
Understand the difference between disability insurance and life insurance in Kenya
Insights - Life Insurance (Endowment Insurance Cover)
Why do most Kenyans fail to achieve big financial goals?
Because they focus on income — not structure, investment, and protection.
Financial success is built, not wished for.
Insights - Life Insurance (Whole Life Insurance Cover)
Term insurance expires. Your legacy shouldn’t. Life Insurance helps to build legacy. Understand how long-term financial planning protects generational wealth in Kenya.
General Insurance Services
We assist our clients to access the following insurance policies:
- Property insurance –include Fire and related perils, Business interruption, Domestic package, Theft / burglary, All Risks, Goods in transit, Money, Contractors all risks, and Engineering insurance policies
- Liability insurance –include Public liability, Product liability, Professional indemnity, and Work injuries benefit insurance policies
- Guarantee insurance – coverage include Fidelity guarantee and Bond insurance policies
- Accident insurance – include Personal accident, Group personal accident, Travel and Health (medical) insurance policies
- Transport insurance – include Motor, Marine and Aviation insurance
- Agriculture insurance – include Crop, Livestock, Blood stock, Poultry, Forestry, Green house, and Aquiculture insurance policies
Insights -General Individuals Insurance (Motor Third Party)
Motor third party insurance in Kenya is mandatory — but what exactly does it cover?
Understand coverage limits and risks.
Insights - General Individuals Insurance (Motor Comprehensive)
Why is third party motor insurance rising in Kenya? Claims trends and risk exposure are affecting pricing.
Insights -General Individuals Insurance (Personal Accident Insurance)
Difference between medical insurance and personal accident cover in Kenya. Understand what each policy protects.
Insights - General Individuals Insurance (Domestic / Home Package)
Protect your home, assets, and liability with domestic package insurance in Kenya.
Insights - General Individuals Insurance (Travel Insurance)
Travel insurance can save you millions in unexpected foreign hospital bills. Don’t travel uninsured.
Insights - General Business Insurance (Fire, burglary, and money insurance)
Fire, Burglary & Money Insurance protects your business from catastrophic financial losses caused by fire damage, theft, burglary, and loss of cash or valuable goods. This document shows you how this ensures that your business survives and recovers quickly without depleting working capital or personal savings.
Insights - General Business Insurance (Professional Indemnity)
Professional Indemnity Insurance protects consultants, professionals and service providers from financial devastation caused by lawsuits alleging negligence, errors, omissions, or breach of professional duty. This document gives you guidance on Professional Indemnity Insurance and how it covers your legal defense costs and pays settlements or court awards, protecting your personal assets and business survival.
Insights - General Business Insurance (Work Injury Benefits Act-WIBA)
WIBA (Work Injury Benefits Act) insurance protects employers from legal and criminal liability under Kenyan labor law. WIBA Insurance is MANDATORY by law for ALL employers in Kenya, regardless of company size or number of employees. This document shows how WIBA protects employers from devastating compensation claims when employees suffer work-related injuries, disabilities, or death.
Insights - General Business Insurance (Group Life Insurance -GLI)
Group life insurance ensures employee families are protected financially. When an employee dies, their family faces immediate financial crisis—funeral costs, loss of breadwinner income, mortgage payments, school fees. This document illustrates how employers can safeguard employees against this crisis.
Insights - General Business Insurance (Group Personal Accident -GPA)
Most Kenyans are underinsured. Understand the national protection gap and what it means for you.
Insights - General Business Insurance (Employer Liability Insurance)
WIBA is not the same as full employer liability protection. Know the difference.
Insights - General Business Insurance (Medical Malpractice Insurance)
Doctors and healthcare professionals need malpractice protection to avoid devastating lawsuits. As a medical professional, one misdiagnosis, surgical complication, medication error, or birth injury can trigger a lawsuit claiming millions of shillings in damages.
Insights - General Business Insurance (Contractors All Risk Insurance - CAR)
Construction projects in Kenya require contractors all risk insurance for site protection. Construction projects face countless risks—fire, theft, storms, floods, equipment breakdown, design errors, worker injuries, third-party damage.
Insights - General Business Insurance (Marine Cargo Insurance)
Importers and exporters must understand marine cargo insurance for goods protection. You import goods worth millions from China, Europe, Asia, or export Kenyan products internationally. Your cargo faces countless risks during transit—ship sinking, container damage, theft at port, fire, water damage, rough handling, customs delays causing spoilage.
Insights - General Business Insurance (Cyber Insurance)
Cyber-attacks are rising in Kenya. Cyber insurance protects your business from data breaches.
Insights - General Agriculture Insurance (Livestock Insurance)
Farmers in Kenya can protect livestock investments through agricultural insurance. Your dairy cows, goats, sheep, pigs, or poultry represent years of investment. Disease outbreaks (foot-and-mouth, anthrax), theft, lightning strikes, predators, accidents, and drought can wipe out your livestock investment overnight.
Insights - General Agriculture Insurance (Crop Insurance)
Crop insurance protects farmers from drought, flood, and climate-related losses. You’ve invested heavily in planting your crop —seeds, fertilizer, labor, tractor hire. Drought hits—total crop failure, harvest zero, excessive rains flood etc. and your investment is lost. Pests destroy your coffee trees. Hailstorm flattens your vegetable farm 2 weeks before harvest.
Insights - General Agriculture Insurance (Farm Machinery & Assets Insurance)
Protect tractors, farm equipment, and agricultural assets from theft and damage.
Get a Personal Consultation
Office
P.O Box 37775-00100 Nairobi Mogotio Road, Westlands FT3
Contact
info@comelyglobalconsulting.com
simon@comelyglobalconsulting.com
Open Hours
Monday - Friday 8 am - 5pm
Saturday and Sunday - Closed