Car Insurance
Drive Protected, Drive with Confidence.
At Bimacal Insurance Agency, we make car insurance simple. Choose the coverage that fits your needs and your budget.
We offer two clear options:
1. Comprehensive Insurance
Full coverage for peace of mind.
- What it covers: Everything Third Party covers, PLUS damage or loss to your own vehicle from accidents, theft, fire, or vandalism.
- What it does NOT cover: Normal wear and tear or mechanical breakdowns,car owner and Own loss. Recommend them to have a personal accident cover. on Private Cars
Also covers third-party injury and property damage.
Best for: Newer cars, financed/loaned cars, or any vehicle you couldn’t afford to replace out-of-pocket.
2. Third-Party Insurance
Essential, legal protection.
Covers your liability for injury to others and damage to their property.
The smart, economical choice to meet legal requirements.
Best for: Older vehicles or drivers seeking responsible, affordable cover.
Need help choosing? That’s what we’re here for.
Contact Bimacal today for a quick, clear quote.
tel:+254 790 407341 | 
Nairobi Kenya 
info@bimacalinsurance.co.ke
Comprehensive Insurance covers both damage to your own car (from accidents, theft, fire, etc.) and your legal liability for injury or damage you cause to other people and their property.
Third-Party Insurance (often called “Third-Party Only”) covers only your legal liability for injury or damage you cause to others. It does NOT pay for repairs to your own vehicle.
Simple choice:
-
Choose Comprehensive if your car is new, financed, or valuable to you.
-
Choose Third-Party if your car is older and you mainly need to meet the legal requirement at a lower cost.
Yes. Third-Party liability insurance is the minimum legal requirement for all motor vehicles in Kenya. It provides the mandatory cover for damage or injury you might cause to others on the road. However, it offers no protection for your own vehicle.
-
Ensure Safety: Move to a safe location if possible and check for injuries.
-
Call the Police: Report the accident to the police immediately to get an Abstract (required for any insurance claim).
-
Document: Take photos of the scene, all vehicles involved, and any visible damage.
-
Exchange Details: Get the other driver’s name, phone number, and insurance information.
-
Contact Bimacal: Call us right away. We will guide you through the next steps, advise on the claim process, and liaise with your insurer on your behalf.
Do not admit fault or agree to private settlements at the scene.