Tips For Finding The Best Car Insurance In Kenya
Car insurance is mandatory in Kenya. The basic cover is the third-party insurance cover, which protects you against liability to a third party in the event of an accident. It also covers you in case your car causes damage to another person’s property. Most drivers opt for this just to be on the right side of the law.
However, you should go for a comprehensive cover if you want more out of your insurance. Comprehensive car insurance provides extensive coverage for your vehicle, protecting you against damages and losses caused by accidents, theft, vandalism, and natural disasters.
The question is, how do you find the best car insurance cover in Kenya? Read on for simple hacks for finding the most suitable insurance for your car, as explained by an insurance guru:
What to Consider when Buying Car Insurance in Kenya
According to Boniface Njoroge, director at Bowman Insurance Agency, many car owners only consider the cost when it comes to buying a car insurance cover. Times are tough and we’re all looking to save money where we can. But that shouldn’t be at the expense of a heavy investment such as a car. The cheapest insurance cover may not always be the best option for you.
Boniface advises you should look beyond the cost when buying car insurance.
“While it’s good to be conscious about the price, quality of service should take precedence.”
What makes for good quality insurance coverage? According to Boniface, these are the indicators of a good insurance company:
1. A wide network of service providers
Insurance companies usually work with various service providers to handle motor claims, except for write-offs. These include garages and spare part suppliers among others.
Insurers that settle service provider invoices on time will have service providers willing to work with them. It’s therefore easier to get your car back on the road faster after an accident. If an insurance company only has a limited number of service providers on its panel, it could be a sign of trouble.
2. Open channels of communication
If you find it difficult to reach an insurer when taking up a cover, how hard do you think it will be when you have a claim? A good insurance company should be easily reachable on different platforms, whether on call, email, or social media.
“A good product with poor customer service is just as frustrating to clients.”
Boniface says that as a client, you should look out for clear communication and straightforward processes.
3. Positive brand reputation
Recently, policyholders were shocked when the Insurance Regulatory Authority (IRA) announced that Invesco would be liquidated while Xplico had been placed under receivership. IRA advised policyholders in both companies to immediately seek alternative covers from other licensed insurers.
It’s quite difficult to tell which insurer is in trouble with the regulator over non-settlement of claims. But there are always signs. You can go through the company’s social media pages to gauge client satisfaction and their responses to complaints. IRA’s statistics page is also a good reference point.
In any case, it’s always advisable to work with insurance agencies such as Bowman. They have industry insights and can guide you on the most suitable cover based on your insurance needs.
Secure Your Car with Smart Insurance Choices
In the pursuit of the best car insurance in Kenya, prioritizing quality over cost is paramount, as highlighted by Boniface. While basic third-party coverage adheres to legal requirements, comprehensive insurance offers broader protection. But it’s a decision that requires careful consideration. Indicators such as a robust service provider network, open communication channels, and a positive brand reputation will help you identify the best company to insure your car.
Bowman’s industry expertise will help you find the perfect car insurance so you can drive with confidence and peace of mind.
