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Drive with ease and peace of mind as we offer you and your car comprehensive protection underwritten by Sanlam General Insurance

motor insurance

Drive with ease and peace of mind as we offer you and your car comprehensive protection underwritten by Sanlam General Insurance

When you drive with confidence you can go places

We are here to support you on your Life’s journey. Enjoy miles of hassle-free driving comprehensive motor insurance underwritten by Sanlam

Key Features

Insurance by item:
Authorised repair / medical / towing charges / windscreen / vehicle entertinment system / vehicle aoccupant emergency medical expense
Forced ATM withdrawal after hijack up to KES 20,000
Alternative accomodation after an accident more than 30km from residence up to KES 10,000
Excess amounts:
Accidental Own damage and Partial Theft Excess – 2.5% of sum insured, minimum KES 30,000, maximum KES 100,000
Theft (with anti theft device) – 10% of value minimum KES 20,000
Theft (without anti-theft device) – 20% of value, minimum KeS 20,000
Theft (with tracking device or fleet management system) – 2.5% of value, minimum KES 20,000
Third Party Property Excess-Ksh 7,500
Young and/or Novice Driver-Additional Excess of  Ksh 5,000
Third Party Injury Excess-Nil
Loss of Use- Time Excess of 3 days
Limits of liability:
Description Limit
Third-party persons Unlimited
Third-party property damage Min KES 3 million and Max KES 20 million
Passenger liability Min KES 3 million per person and Max KES 100 million per event
Geographical limit East Africa (excluding third-party liabilities outside Kenya)
Personal injury cover(Death Limit for Driver) KES 500,000
Loss of personal effects KES 20,000 (excluding mobile phone and cash)


  • • You will receive sms notification of your cover and a policy schedule will be sent to you not later than 30 days from the date you receive the sms notification.
    • The Insurance certificate can be collected from the selected Standard Chartered Branch. The client will be required to provide a valid identification card when collecting the certificate.

  • You can collect your insurance certificate from the standard chartered branch you select.You will be required to provide your policy number to enable issuance.Your policy number will be sent to you( via email and SMS).

  • Visit your nearest Sanlam/Standard Chartered branch with the following documents
    1. Police Abstract
    2. Copy of driver’s licence
    3. Executed Claim Form to be provided from any of our Standard Chartered branches/Sanlam Offices

  • Any Standard Chartered Bank individual current account holder.

  • It covers:
    • Damage to insured vehicle.
    • Third party bodily or property liability.
    • Passenger liability

  • • In the event the motor vehicle is involved in an accident, the insured(vehicle owner) will not be liable to pay any amount of excess that is applicable in respect of accidental own damage claim but subject to the claim amount being above payable minimum excess.
    • The benefit ceases once claimed but can be reinstated by paying a charge of 0.25% of the vehicle value Minimum KShs 2,000

  • This is a motor benefit where you get a courtesy car to use for a maximum of 27 days. This benefit is only applicable once the claim has been lodged and accepted by the insurance company. This benefit ceases once utilized but can be reinstated at an additional premium.

  • Yes but only under the Comprehensive Option.

  • The acceptable modes of payment are online transfers from your SCB current account,credit card  payment and standing order(as 2nd payment if instalment option is selected)

  • Yes but limited to 2 instalments from your SCB current account.The payment of the 1st Instalment would be 30% approximate of the premium and 2nd instalment would be for the remaining 70% approximate

  • Premium payable(Clients) would be based on basic rate applied on the vehicle sum insured (For Comprehensive (4.25% of Sum Insured for units below KES 2.5Million and 3.5% for units above Kes 2.5Million, Minimum KES 37,500 plus AA Fee of KES 6,500 and Courtesy Car Benefit at KES 8,100) and Third Party Fire and Theft (2.125%of Sum Insured, Minimum KES7,500). Levies (0.45% of basic premium) and stamp duty(KES 40) would then be added. Third Party only is charged at a basic premium of KES 7,500 and levies and stamp duty would then be added.

  • Where the vehicle requires towing please contact AA via their pilot number 0709933000.-You are required to get a police abstract, fill a claim form, provide copy of valid driving licence of the driver and submit to scb@sanlam.co.ke

  • You are required to get a police abstract, fill a claim form and submit to scb@sanlam.co.ke

  • • Convenience of your motor cover issuances(certificate and policy documents)
    • One-stop shop for your insurance solutions
    • Review and negotiations on insurance products
    • Follow up for speedy facilitation/feedback/settlement of claims by the insurance service provider

  • Simply call your relevant Standard Chartered‘s 24 hour client contact centre.

    • +254 20 329 3900(Personal Banking)
    • +254 20 329 3939(Priority Banking)
    • Email: Kenya.Bancaheadoffice@sc.com

Terms & Conditions


This solution is underwritten by Sanlam General Insurance Company Limited, who are liable for any loss arising out of the insurance products including payment of claims on this product. Insurance products are distributed through Standard Chartered Bancassurance Intermediary Limited (SCBIL), a wholly owned subsidiary of Standard Chartered Bank, and is regulated by the Insurance Regulatory Authority. Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya. Terms and conditions apply.