1. Choose a Reputable Online Insurer
Several top insurers in Kenya allow you to buy car insurance online and pay via M-Pesa:
- Britam
- Jubilee Insurance
- UAP Old Mutual
- Sanlam Kenya
- CIC Insurance
Visit their official websites or use platforms like Pazuu or AskJeeves.
2. Get a Quote and Customize Your Policy
Enter your vehicle details such as:
- Make and model
- Year of manufacture
- Engine capacity
- Usage type (private/commercial)
Select the coverage type:
- Third-party only
- Comprehensive
- Third-party fire & theft
You’ll receive an instant quote. Some insurers let you add extras like roadside assistance or personal accident cover.
3. Proceed to Payment Using M-Pesa
Once satisfied with the quote:
- Click “Buy Now” or “Proceed to Payment”
- Select M-Pesa as your payment method
- You’ll receive an STK push on your phone
Confirm the transaction by entering your M-Pesa PIN.
4. Receive Your Insurance Certificate
After successful payment:
- You’ll receive a digital insurance certificate
- A cover note will be sent via email or SMS
- Some insurers send a copy to your NTSA account
Keep a digital or printed copy in your car at all times.
5. Update Your Logbook (If Needed)
If this is a new policy or ownership transfer, update your logbook through the NTSA portal or at a service center to reflect the current insurer.
This ensures your insurance is linked to your vehicle records.
Final Tips
- Always verify that the insurer accepts M-Pesa payments.
- Ensure your M-Pesa number is registered under your name.
- Save your policy number and keep a digital backup.
- Renew before expiry to avoid penalties or lapses.
Conclusion
Buying car insurance online in Kenya via M-Pesa is fast, secure, and convenient. With just a few taps on your phone, you can get insured and stay road-legal without leaving your home.