Motor Third Party insurance is legally mandatory under Cap 405 for every vehicle on Kenyan roads. It covers: bodily injury or death caused to third parties in an accident, damage to third-party property arising from the use of the vehicle, and legal defence costs for third-party claims. Note: Third Party insurance does NOT cover your own vehicle, your own injuries, or theft — it protects only the other party. Driving without valid Third Party cover is a criminal offence carrying fines and potential imprisonment. We arrange fast, compliant Motor Third Party cover and always recommend upgrading to Comprehensive for complete financial protection.