Our partnership with Kenya's largest panel of insurance underwriters gives you access to specially negotiated rates for enhanced covers including Excess Waiver, Courtesy Car, PVT, and 24/7 Roadside Rescue.
From family personal cars and company executive vehicles to heavy commercial lorries and delivery motorbikes.
Specifically tailored for privately owned saloons, station wagons, SUVs, and estate vehicles used strictly for social, domestic, and personal commuting pleasure.
Engineered for commercial enterprises operating vans, trucks, prime movers, pickups, construction tippers, and articulated tankers across East Africa.
Compliant statutory and comprehensive protection for dispatch motorcycles, courier fleets, and personal motorbikes across Kenya.
Why take a standard retail policy when you can enjoy premium broker privileges negotiated exclusively for our policyholders?
Eliminates the mandatory out-of-pocket deductible you would normally pay when filing an accident claim. With our negotiated excess waiver, you pay zero KES at the repair garage.
Don't get stranded while your car is under repair at the garage. We provide a replacement courtesy vehicle for up to 10 to 14 days so your daily routine remains uninterrupted.
Standard motor policies strictly exclude riots, civil unrest, and terrorism. Crescent automatically negotiates PVT rider extensions to protect your car against riots, strikes, and civil commotions.
Immediate mechanical rescue, battery jumpstart, emergency puncture assistance, and flatbed towing services anywhere across Kenya through our partnership with certified recovery fleets.
Substantially enhanced windscreen limits (up to KES 100,000 without affecting your No Claim Discount) and coverage for factory or fitted car entertainment units.
Planning cross-border travel into Uganda, Tanzania, Rwanda, or Burundi? We issue expedited COMESA Yellow Card insurance for seamless regional border crossings.
Understand exactly what is covered under each tier of motor insurance.
| Benefit / Coverage Scope | Third Party Only (TPO) | Third Party Fire & Theft (TPFT) | Comprehensive (CIB Signature) |
|---|---|---|---|
| Third Party Bodily Injury & Death | ✓ Full (Unlimited statutory) | ✓ Full (Unlimited statutory) | ✓ Full (Unlimited statutory) |
| Third Party Property Damage | ✓ Up to KES 20,000,000 | ✓ Up to KES 20,000,000 | ✓ Up to KES 20,000,000 |
| Accidental Collision & Overturning | ✗ Not Covered | ✗ Not Covered | ✓ Full Market Value Payout |
| Fire, Explosion & Lightning | ✗ Not Covered | ✓ Included | ✓ Included |
| Vehicle Theft & Carjacking | ✗ Not Covered | ✓ Included | ✓ Included |
| Excess Protector / Waiver | ✗ N/A | Optional Add-on | ✓ Negotiated Inclusion |
| Free Courtesy Car (10-14 days) | ✗ Not Available | ✗ Not Available | ✓ Included |
| 24/7 Road Rescue & Towing | ✗ Not Available | Optional Add-on | ✓ Included Free |
Follow these 4 critical steps to ensure prompt, dispute-free claim approval.
Ensure safety. Take clear photos of vehicle positions, number plates, skid marks, and damage on both vehicles before moving them.
Report the accident to the nearest police traffic station immediately and secure an official Police Abstract Form with OB number.
Call our 24/7 claim desk at 0702 888 111. We coordinate vehicle towing to an approved authorized garage.
Our claims officers instruct an independent loss assessor within 24 hours to approve repair estimates and release parts.
Send us your car logbook and estimated market value via WhatsApp. Our licensed brokers will immediately send you three comparative quotes with excess waiver included.
