Comprehensive Auto Insurance Coverage

Whether you drive for personal or commercial purposes, having the right auto insurance is essential. At Brainstorm Insurance Brokers Limited, we provide comprehensive vehicle insurance solutions tailored to your needs, ensuring you're protected on the road and compliant with legal requirements.

Coverage Options

We offer various auto insurance coverage options to suit different needs and budgets:

• Third-Party Liability Insurance: Mandatory coverage that protects you against claims for damage to other vehicles, property, or injury to other people. This is the minimum legal requirement in Kenya and covers your legal liability to third parties.
• Third-Party Fire and Theft: Includes third-party liability coverage plus protection against fire damage and theft of your vehicle. Provides additional security at an affordable premium.
• Comprehensive Coverage: Full protection including damage to your own vehicle from accidents, theft, fire, vandalism, and natural disasters. Also includes third-party liability, making it the most complete coverage available.
• Personal Accident Cover: Medical expenses and compensation for death or disability of the driver and passengers in case of an accident. Can be purchased as a standalone policy or added to your motor insurance.
• Windscreen and Window Coverage: Protection for windscreen, windows, and mirrors with minimal or no excess. Quick replacement service available.
• Emergency Roadside Assistance: 24/7 support including towing, battery jump-start, flat tire assistance, fuel delivery, and locksmith services when you're stranded.
• Replacement Vehicle: Coverage for a temporary replacement vehicle while yours is being repaired after an accident.
• Medical Expenses: Coverage for medical bills resulting from an accident, regardless of fault.
• Uninsured Motorist Coverage: Protection if you're involved in an accident with an uninsured or underinsured driver.

Types of Vehicles We Insure

Our auto insurance covers a wide range of vehicles:

• Private cars and sedans
• SUVs and 4x4 vehicles
• Motorcycles and scooters
• Commercial vehicles (trucks, vans, buses)
• Fleet vehicles for businesses
• Classic and vintage cars
• Motorhomes and recreational vehicles

Factors Affecting Your Premium

Several factors influence your auto insurance premium:

• Vehicle Type and Value: Make, model, year, and market value of your vehicle
• Driver Age and Experience: Younger and less experienced drivers typically pay higher premiums
• Driving History: Your claims history and traffic violations affect your rates
• Usage: How often and for what purpose you use your vehicle (personal, business, commercial)
• Location: Where you live and park your vehicle can impact premiums
• Coverage Level: The type and amount of coverage you choose
• Excess/Deductible: Higher excess can lower your premium
• Security Features: Anti-theft devices and security systems may qualify for discounts

Additional Benefits and Services

• No Claim Bonus (NCB): Discount on premiums for each claim-free year, rewarding safe driving
• Cashless Claims: Direct settlement with network garages - no upfront payment required
• Fast Claims Processing: Quick assessment and settlement of valid claims
• Wide Network of Garages: Access to authorized repair centers across the country
• 24/7 Claims Hotline: Round-the-clock support for reporting accidents and filing claims
• Online Policy Management: Easy access to policy documents, renewal, and claims status

Commercial Vehicle Insurance

For businesses, we offer specialized commercial vehicle insurance:

• Fleet insurance for multiple vehicles
• Goods in transit coverage
• Public liability for commercial vehicles
• Business interruption coverage
• Employee driver coverage

Claims Process

In the event of an accident or claim:

1. Stay Safe: Ensure everyone is safe and move to a secure location if possible
2. Report to Police: File a police report if required (for accidents, theft, or major damage)
3. Contact Us: Call our 24/7 claims hotline immediately
4. Document Everything: Take photos of the damage, exchange information with other parties, and gather witness details
5. Assessment: Our assessor will inspect the vehicle and determine coverage
6. Repair or Settlement: Choose a network garage for cashless repair or receive settlement for total loss

Why Choose Our Auto Insurance?

We partner with reputable insurance companies to offer competitive rates and excellent claims service. Our team of experienced brokers ensures you get the coverage you need at the best possible price, with fast and efficient claims processing when you need it most. We understand the importance of being on the road, so we work to minimize downtime and get you back behind the wheel quickly.

Legal Requirements

In Kenya, third-party motor insurance is mandatory by law. Driving without valid insurance can result in:

• Fines and penalties
• Vehicle impoundment
• Legal liability for damages
• Difficulty in vehicle registration renewal

We ensure all our policies meet legal requirements and help you stay compliant.

Get a Quote

Contact us today for a customized auto insurance quote based on your vehicle type, usage, and coverage needs. Our brokers will help you understand your options, compare different policies, and find the best coverage at competitive rates. Call us at +254104490194 or email info@brainstorminsurance.org to get started.