School Bus Insurance Kenya

Motor insurance is one of the mandatory classes of insurance in the Kenyan market with the minimum being the Third Party Only (TPO) insurance. School buses therefore require insurance to be on the road as well. A majority of all school buses will be painted in a bright yellow with the name of the school inscribed across the side in black. They can only be used to ferry school going children / adults and they can not engage in fare paying passengers like PSV vehicles. This class of vehicles has a special status when it comes to the National Transport and Safety Authority (NTSA). On top of the mandatory painting and labelling, they are also expected to maintain the highest safety standards and mandatory annual re-inspection. Many schools take out insurance for these vehicles as a package together with insurance covers for assets and liabilities for the entire school and its business. In this article we discuss more on the particular school bus cover and also list some two examples of the common insurance companies offering it.

CIC School Bus

The CIC School Bus insurance is one of the most popular ones in the market. The company has a rich network of cooperatives and SACCOs across the country which has allowed it to get a consistent supply of business

The table below shows a summary of some of the benefits of CIC School Bus insurance.

LIMIT Kenya Shillings
Third Party Property Damage 5,000,000
Towing 50,000
Emergency Medical Expenses 30,000
Repair Authority 50,000
Windscreen 30,000
Radio Cassette 20,000
No Blame No Excess FREE
Vehicle Valuation FREE
Riot, Strike and Civil Commotion FREE
Geographical Limit East Africa

The insurance also provides cover for the students at a fee of KSh 250 charged on each sitting capacity of the bus. This is the passenger legal liability component.

The ratings for this insurance start at 4% of the sum insured (market value of the school bus) as the basic comprehensive cover which does not include the political violence and terrorism cover and the excess protector for own damage. Check out more details on the CIC cover

BRITAM School Bus Enhanced Policy

It is an insurance package aimed at covering the various risks school bus owners are exposed to in running the business. School bus, Personal accident, Windscreen, Radio cassette, Medical expenses, Accessory – Alternator/Starter, political risks & terrorism (optional).

The rate charged is 3.75% of the sum insured (market value of the bus) per annum which is inclusive of the political violence and terrorism cover.The passenger legal liability is charged at KSh 200 per person. The package also includes a personal accident cover for the death and permanent total disability (PTD) for up to KSh 250,000.


If you are looking for a quote for a school bus insurance or any other vehicle insurance, then get in touch with us to compare all the prices, benefits and different motor insurance companies in the Kenya market. Give us a call on 0800723340 or send an email to . Alternatively start an online chat with one of our insurance sales advisors to get more information.


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