TPO vs TPFT vs Comprehensive

Third-Party Only (TPO) covers only injury, death, and property damage you cause to other people — the legal minimum. Third-Party Fire & Theft (TPFT) adds cover for fire damage to and theft of your own vehicle. Comprehensive adds accidental damage to your own vehicle on top of everything in TPFT. Cost rises in that order.

Third-Party Only is the cheapest, from about KSh 7,500 a year for a private car. Comprehensive is the most expensive, rated at roughly 4% of the vehicle's value with a minimum of about KSh 37,500. TPFT sits in between.

TPFT makes sense for a mid-value car where your main worries are theft and fire rather than accident repair costs. It is cheaper than comprehensive but, unlike comprehensive, it will not pay to repair your own car after a collision you cause.

Almost always, yes. Banks and other lenders require comprehensive cover for any vehicle bought on finance or used as loan security, because it protects the asset against accident, theft, and fire for the full loan period.

No. TPO covers only damage you cause to others. Theft of your own vehicle is covered under TPFT and Comprehensive, not TPO.

Comprehensive for a private car typically starts around KSh 37,500 a year (about 4% of value), versus from KSh 7,500 for TPO. The gap pays for own-vehicle protection — accident, theft, and fire — that TPO does not provide.

For older or low-value vehicles, TPO is usually the sensible choice: comprehensive premiums (a percentage of value) can outweigh the car's worth. Vehicles over 15 years old are often only eligible for TPO in any case.

Yes. You can move between TPO, TPFT, and Comprehensive at renewal or mid-term — we recalculate the premium for the remaining period and arrange the change, including transferring any No-Claim Discount you have earned.