WHY YOU CAN’T ESCAPE CAR INSURANCE!

Buying a car, especially the first one, is one of the most exciting decisions most of us get to make. It usually signals something to everyone around. Friends, business associates, peers, and colleagues usually change how they look at us when we buy a car. Aside from the emotional highs and excitements that accompany the process of buying a car, one small matter sometimes gets forgotten-car insurance. Many aspiring car owners never factor in the cost of insurance when thinking about a new car. Their budgets usually don’t include car insurance until it hits them that they can’t use their car without insurance. Whether you are a new car owner or a veteran driver, there are three key reasons why you can’t do without motor insurance;

1. Car Insurance in Kenya is a legal requirement

Kenya, just like most countries in the world, requires all cars (or their drivers) to be insured before they can be used on public roads. If you fail to buy insurance for your car, and then proceed to use in in public, you risk legal action. You are also required by law to display the car insurance certificate on the windshield of your car (or other part that makes it possible for an officer to inspect it from the front or front-left of your vehicle). If you drive a car without insurance, you are risking a fine of Ksh 10,000, and a creative officer can also include charges like “reckless endangerment”, among others, making it a very costly proposition for you.

2. Car Insurance protects your investment in the car

If not for the purposes of making your car street legal, then you should at least think of insurance as a way of protecting your investment in it. Cars are not cheap, and they tend to be the most expensive single item you may own (if you don’t own a house yet). It`s therefore in your interest to buy motor insurance to protect that investment. If anything happens to your car, things that are covered by your insurance policy, you will not lose money.

3. Car insurance protects you from costs associated with accidents

Accidents happen. No one wakes up with the intention of causing one. Every day in Kenya, several serious accidents and tens of minor accidents occur on our roads. These accidents are no always caused by careless or drunk drivers. Some of them are caused by otherwise well-mannered people, like you. Having car insurance in Kenya means the insurance company will pick up the tab for costs associated with the accident. This spares you financial agony that you may experience if you had to pay for repairs on other peoples cars and property from your own pocket.

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