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Motorcycle Insurance

The Best Motorcycle Insurance in Nairobi, Kenya for Bikes Above KSH 300,000

While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journeys you find yourself on.

As with Car Insurance, Motorcycle Insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.

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Please note that the minimum value that we cover is a bike that's Ksh. 300,000 or above. This translates to a minimum premium of Ksh. 11,592 inclusive of excess protection.

About Motorcycle Insurance

The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. The law has set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.

Motorcycle comprehensive coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. This coverage also extends to your bike being stolen, vandalized or damaged by fire.

Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.

We’re happy to talk through the details of Motorcycle Insurance, of course. Contact us, and we’ll lead the way.

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Why should you choose Dawit Insurance Agency?

Our agency offers personalized superior service that is client-focused. At Dawit Insurance Agency Limited, we ensure that the insurance carriers keep the promise to indemnify our clients. We deliver the promise by offering assistance on filing insurance claims, identifying and verifying important issues to be addressed such as policy excess, terms and exclusions. We do this in a cordial, fast and transparent manner.

A Visualization of Risk and Solutions

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Use the yellow hot spots and explore how motor insurance can help protect against common risks.


In the uneventful case where you suffer risk, this is what happens

Dawit Insurance Agency

At Dawit, we differentiate ourselves by walking with you during the claiming process. We believe all legitimate claims need to be paid quickly and fairly. We’ll guide you through the required documentation. Notify us as soon as you notify the police. Take some photos for proof.


In the event where your vehicle is involved in an accident or gets stolen the first immediate action is to seek medical care in case of injury. The second thing is to notify the authorities and obtain a police abstract. Here is a comprehensive guide of the claims process.

Dawit Insurance Award presentation

Our car insurance services have been rated among the best in Kenya. Click on the link below to view our accolades.

An excellent cover to have besides motorcycle insurance is personal accident insurance. Having the two covers keep both you and your bike safe.

Insure Your Motorcycle Today

Comprehensive Motorcycle Insurance From Dawit Insurance Agency

Interested in Motorcycle Insurance?

One of our insurance advisors will reach out to you to review your information and present you with the appropriate Motorcycle Insurance solution. There’s no obligation, just good old-fashioned advice.

At Dawit Insurance Agency Limited, we specialize in taking care of your most valuable assets by offering a complete suite of risk solutions while keeping a keen eye on our promise.

Talk with us and ensure you have the proper motorcycle insurance coverage in place with the right insurance company. You’re in safe hands when you’re with Dawit Insurance Agency.

Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.
0712 856 447