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).