Products and Services

We provide insurance cover for Public Service Vehicles (PSV), Commercial Motor, Private Vehicles, and Taxi to protect our clients from any liability incurred by use of the motor vehicle.

We offer two main types of Insurance Policies; Third Party Only (TPO) and Comprehensive Cover.


  1. Third Party Only (TPO)

    This is the basic, mandatory cover you as a motorist must have. It provides cover for third parties in case of bodily injury or damage to their property. Under TPO, we compensate the policy holder against legal liabilities incurred as a result of the use of the motor vehicle, such as, Third Party Injuries, Third Party Property Damage & Legal Representation. TPO applies to the following categories of vehicles.

    • PSV Matatu

      PSV Matatu cover includes vehicles used in public transport with a seating capacity of 8-36. This cover can be arranged on monthly or annual basis.

    • PSV Bus

      PSV bus is a vehicle used in public transport and has a seating capacity of 37-105.Buses under Third Party Only (TPO) are this cover can be arranged on monthly to annual basis.

    • Taxi

      Taxi are vehicles with seating capacity of 2-7 that are engaged in a public transport business. Under this cover, policies can be arranged on monthly or annual basis for taxi owners.

    • Commercial Motor

      Commercial motor include both own goods and general cartage vehicles used for carriage of goods in connection to insured’s business or for hire and reward. Policies can be arranged on monthly or annual basis.

    • Private Motor

      Private motor are vehicles used for social, domestic and pleasure purposes or in connection to insured’s business. Currently we are only offering Third Party Only (TPO) cover for private vehicles. Policies can be arranged on monthly or annual basis.

      Requirements
    • Copy of the Logbook
    • Copy of the proposer’s PIN Certificate
    • Copy of National ID card of the insured
      Payment mode
    • Banker’s Cheque
    • Bank funds transfer
    • Mpesa Paybill 509800/Till No.
    • Cash
  2. Comprehensive Cover
    • PSV Matatu

      Under comprehensive Matatu cover, we offer both compensation on liabilities arising from third party and also accidental damage or loss of motor vehicle including standard accessories and spare parts.

      All comprehensive covers are annual policies only.

      We also offer policy extensions to cover Political, Violence & Terrorism and Excess protector at an additional cost.

    • PSV Bus

      Under comprehensive PSV bus, we offer both compensation on liabilities arising from third party and also Accidental damage or loss of motor including standard accessories and spare parts..

      All comprehensive covers are annual policies only.

      We also offer policy extensions to cover Political, Violence & Terrorism and Excess protector at an additional cost.

      Requirements
    • Copy of the proposer’s PIN Certificate
    • Copy of National ID card of the insured/Sacco name ,certificate of registration or Certificate of Incorporation
    • Copy of the Logbook
    • For Comprehensive cover, A valuation facilitation letter will be issued by Directline to our panel of approved valuers.
    • The age of the vehicle (10 years) is also considered as an important factor for underwriting, and as such Directline has the option to either accept or decline business on this basis.
      Payment mode
    • Banker’s Cheque
    • Bank funds transfer
    • Mpesa Paybill 509800/Till No.
    • Cash
  • Payment options
    • Internal Insurance Premium Financing (IPF)
        Requirements (TPO or Comprehensive)
      • Duly filled proposal form either for third party or comprehensive insurance risk class for public service vehicle.
      • Specify the monthly instalment period either 3, 6 or 10months.
      • Payment mode is cash, Banker’s Cheque, Bank transfer, Mpesa Paybill 509800, and EFT
      • Requirements for internal IPF (NON PSV-private, Commercial, taxi, car hire-TPO)
      • Duly filled proposal form either for third party insurance risk class
      • Monthly instalment period up to 3months for annual duration or three instalment scheme payment plan
    • External Premium Financing (PSV TPO or Comprehensive)

      External premium financing is an arrangement offered through our partner banks and microfinance institutions. You can apply for a financing agreement through banks and microfinance institutions.

        Requirements (PSV TPO or Comprehensive)
      • Copy of National ID card for insured/applicant and a PIN copy if an individual
      • Copy of certificate of incorporation or certificate of registration for business entities
      • Company PIN copy
      • Copy of memorandum & articles of association partnership deed or other constitutive documents as per the entity type for corporates.
      • Duly filled & signed IPF form application by the insured-applicant of facility.
      • Duly filled & signed different payer.
      • First instalment is payable to the insurance company in cash, bankers cheque or through our M-Pesa Paybill number 509800.
      • Instalment payment via post-dated cheques or standing order should duly be filled for the bank.