PesaGuide
← All plans
Sanlam General Insurance

Comprehensive Car Insurance

Car insurance · Regulated by the IRA

A year costs
KES 52,100
renewed every year

It covers your car for a year. It pays for damage, fire and theft, and for harm you do to other people.

Hear when this changes

What to watch out for

  • You pay the first part of every claim yourself. On damage that is 2.5% of the car's value, at least KSh20,000.
  • Theft costs you 10% of the value if an anti-theft device was fitted, and 20% if not.
  • A young or inexperienced driver adds KSh5,000 to any claim.
  • The published minimum of KES 37,500 is not what you pay. Two fees are bundled with it, making KES 52,100.
  • Below a car value of about KES 1.23 million the minimum bites, so the 4.25% rate stops being the price.
  • Riot and terrorism damage is included here. Many policies leave it out.
  • Standard Chartered sells the policy, Sanlam General carries the risk, and the IRA supervises Sanlam General.
  • The insurer's own page and the bank's page disagree on five figures. The insurer's numbers are used here; the bank's are still on the page they published.

The details that matter for this kind of plan

What it costs
4.25% of your car's value
What makes up the minimum
KES 37,500 + 6,500 AA + 8,100 courtesy car
What you pay on a claim
2.5% of the car's value, at least KSh20,000 and at most KSh100,000
Passenger liability
KSh3 million per person, KSh20 million per event
Fatal accident cover
Up to KSh250,000 for authorised drivers
Personal effects
Up to KSh50,000, excluding mobile phone and cash
If the car is stolen
You lose 10% of its value if it had an anti-theft device fitted, 20% if it did not
Young or new driver
Another KSh5,000 on every claim
Third party only, if you prefer
KSh7,500 a year
Who actually pays a claim
Sanlam General Insurance. Standard Chartered only sells it
The rate in full
4.25% of the car's value, or 3.5% if it is worth over KES 2.5 million

How to open this

  • Open with KES 52,100

What does it cost you?

Admin chargeyour premium, as an AA membership feeKES 6,500
Taken off each payment you makeyour premium, for the courtesy car benefitKES 8,100

What if you stop paying?

The cover stops. You get nothing back, and driving without cover is against the law.

What if you need the money early?

There is nothing to take out. This is cover, not savings.

Who this suits

It could work for you if

You want to know the price before you ring anyone. Very few car insurers here print one.

Think twice if

Your car is worth little. The KES 52,100 floor is more than 4.25% of a cheap car.

What they tell you

  • What is the smallest amount you can start with?
    KES 52,100.
  • Are all their charges published?
    Yes, every charge they mention has a figure against it.
  • Do they say who regulates them?
    Yes — the IRA. That is who you complain to.

Talk to them

Compared with the others

There are 10 other plans of this kind on the board. See all 11 side by side — what each one leaves you with, and which of them will not say.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this