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Motor Insurance Cost Estimator
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Motor Insurance Cost Estimator
Motor Insurance Cost Estimator
Compare Third Party Only (TPO) vs
Comprehensive motor insurance, including
excess amounts and add-ons.
1. Vehicle detailsApplies to both options
Approximate current market value. Used to estimate comprehensive premiums
and excess.
No-claims history can influence discounts. We’ll show
an indicative discount band (not insurer-specific).
2. Comprehensive cover assumptionsOwn damage + third party
Typical excess as % of claim/vehicle value (e.g. 2.5%).
If % excess is lower than this amount, insurers apply this minimum.
3. Third Party Only (TPO) assumptionsLiability only
Often a fixed amount applied to certain types of claims.
Please enter sensible values: vehicle value & at least one premium
must be positive.
💡 Use this tool to answer: “Is the extra cost for comprehensive
worth it for this car?”
Cost & Excess Summary
Waiting for numbers…
Extra cost for comprehensive: KES 0.00 / year
Enter vehicle value & premiums to compare.
Relative total annual costTPO vs Comprehensive
TPO total annual cost
Comprehensive total annual cost
Third Party Only (TPO)
Liability only
Annual: KES 0.00 • Monthly: KES 0.00
Basic legal cover only
Base premium / year:
KES 0.00
Add-ons / year:
KES 0.00
Total annual cost:
KES 0.00
Typical excess:
KES 0.00
Comprehensive Cover
Own damage + third party
Annual: KES 0.00 • Monthly: KES 0.00
Protects your own car + liability
Base premium (rate × value):
KES 0.00
Add-ons / year:
KES 0.00
Total annual cost:
KES 0.00
Estimated excess per claim:
KES 0.00
This is a simplified estimator for illustration only. Actual premiums,
excess terms and benefits depend on the insurer, vehicle use (private vs PSV),
driver profile and detailed policy wording. Always confirm quotes and
exclusions with your insurance provider or agent.
