Decoding Insurance: Why 'Comprehensive' is Non-Negotiable

You bought the dream car. Don't cheap out on the cover. Third Party Only (TPO) protects the other guy, but if a reckless rider hits you, you are on your own. In Nairobi traffic, that is a gamble you will lose.

In a dynamic region like ours, paying an extra Ksh 5,000 for Political Violence and Terrorism (PVT) cover and Excess Protector is the smart play. It ensures that if something happens, you aren't dipping into your savings to get back on the road. Insurance is expensive, but an accident without insurance is bankruptcy.