Motor insurance refers to a type of insurance policy designed to provide financial protection against damages to a vehicle and liabilities that may arise due to accidents or unforeseen events involving the insured vehicle.

The types of motor insurance typically include:

1. Third-Party Only (TPO) Insurance: This is the minimum legal requirement in Kenya. It covers liabilities towards third parties for injury, death, or property damage caused by the insured vehicle. However, it does not cover damages to the insured vehicle itself.
2. Third-Party, Fire, and Theft Insurance: This type of insurance covers liabilities towards third parties as well as losses or damages to the insured vehicle caused by fire or theft.
3. Comprehensive Insurance: Comprehensive insurance provides the widest coverage. It includes protection against third-party liabilities, damages caused by fire or theft, and also covers accidental damages to the insured vehicle, regardless of fault. 

It covers;

• Private Vehicles: These include cars, SUVs, vans, and other vehicles used for personal transportation purposes.
• Commercial Vehicles: This category encompasses a wide range of vehicles used for business purposes. It includes trucks, pickups, delivery vans, and other vehicles used for transporting goods.
• Public Service Vehicles (PSVs): PSVs are vehicles used to transport passengers for a fee. This category includes matatus (minibuses), buses, taxis, and other vehicles used for public transportation.
• Motorcycles: Both private and commercial motorcycles are covered under motor insurance policies. This includes boda-bodas (motorcycle taxis) and other motorcycles used for various purposes.
• Special Vehicles: Some insurance providers offer coverage for specialized vehicles such as construction vehicles, agricultural vehicles, ambulances, and more, catering to specific industry needs.