Mazda Car Insurance in Kenya
Under the Insurance Act, car insurance is a legal requirement for all vehicle owners in Kenya.
For Mazda car owners, having the right insurance is essential to meet legal obligations and safeguard their vehicles and financial investments.
Mazda insurance protects car owners against potential risks such as accidents, theft, or damage, ensuring peace of mind.
Types of Car Insurance in Kenya
Third-Party Insurance
- Third-party insurance is the minimum legally mandatory for all vehicle owners.
- It only covers damages or injuries caused to third parties.
- Third-party does not cover the insured vehicle or driver.
- It is affordable but limited in coverage.
Call Joyce (0723499239) for more information on third-party insurance
Comprehensive Insurance
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Comprehensive insurance offers the most extensive protection, including third-party liability, theft, fire, and natural disasters.
- Comprehensive insurance covers the cost of repairs or replacement for the insured Mazda vehicle.
- Comprehensive insurance includes additional benefits such as a free windshield repair limit and coverage for civil commotion, riots, and strikes.
- Comprehensive insurance excludes wear and tear, negligence-related damages, or third-party liabilities outside Kenya.
- It is ideal for new or high-value Mazda models like the Mazda CX-5 or Mazda Axela.
Call Joyce (0723499239) for more information on third-party insurance.
- Automatic
- Petrol
- 2017
- 2500 cc
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Loan Calculator:
Mazda CX5 has gained popularity due to its luxurious features, reliability and a friendly budget in relation to what it offers. Mazda has been very generous with extra features especially with its mid-budget units. From the luxurious leather finish with handwoven well patterned stitches, to Bose ...
Third-party, Fire, and Theft Insurance (less common)
- Third-party, fire, and theft insurance is a middle ground between third-party and comprehensive insurance.
- Third-party, fire, and theft insurance includes third-party coverage and protection against theft and fire.
- Third-party, fire, and theft insurance suits budget-conscious Mazda owners who want added protection.
- Due to its cost-to-benefit ratio, third-party, fire, and theft insurance is less common in the Kenyan market.
- Automatic
- Diesel
- 2017
- 1500 cc
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Loan Calculator:
The 2017 Mazda Demio combines compact efficiency with impressive performance and modern features. Powered by a 1.5L diesel engine, it delivers 105 horsepower and 250Nm of torque, making it powerful for its size. Equipped with a six-speed automatic transmission, the Demio offers the option to swit...
Mazda Cars Insurance Cost
Below are the approximate costs of the various insurance types. Call Joyce at 0723499239 for more info on pricing.
Comprehensive Mazda Insurance Costs
- Premiums typically range from 3.2% to 4.5% of the car's total value.
- Example: A Mazda CX-5 valued at KES 2.1 million may cost KES 74,880.75 at a 3.5% rate or KES 95,975.25 at a 4.5% rate.
- Premium rates are negotiable, so discussing terms with your insurer can help reduce costs.
Third-Party Mazda Insurance Costs
- The most affordable option for a private car ranges between KES 5,000–7,500 per year.
- Public service vehicles (PSV) like Uber or Bolt require an additional Passenger Legal Liability (PLL) cover for four passengers, costing approximately KES 9,500 annually.
- For commercial vehicles, such as 30-ton lorries, TPO covers start from KES 25,000 per year, based on tonnage.
Key Features of Mazda Car Insurance
- Coverage Options: Tailored plans for Mazda models, including hatchbacks (Mazda Demio), sedans (Mazda Axela), and SUVs (Mazda CX-5).
- Premium Calculation Factors:
- Vehicle model and age.
- Usage (personal or commercial).
- Owner's location and driving history.
- Additional Benefits:
- Windshield limit: Coverage for windshield damage ranging between KES 25,000–50,000 per year.
- Roadside assistance and towing services.
- Civil commotion and riot protection: Covers damages during strikes or riots.
Benefits of Comprehensive Insurance for Mazda Cars in Kenya
- The comprehensive insurance protects against theft, fire, accidents, and natural disasters.
- Comprehensive insurance ensures the use of genuine Mazda parts for repairs, preserving the vehicle's quality and value.
- Getting comprehensive insurance for your Mazda car offers financial security and peace of mind in unforeseen circumstances.
- Comprehensive Covers expenses for civil unrest-related damages and provides a windshield repair benefit.
Factors to Consider When Choosing Insurance for Mazda Cars
- Cost of Premiums and Deductibles: Compare provider rates to find a policy that suits your budget.
- Insurer Reputation: Opt for insurers with strong claims processing and excellent customer service.
- Customization: Look for policies with add-ons like Political Violence and Terrorism Cover or Excess Protector.
- Vehicle Age: Comprehensive insurance may not be available for vehicles over 12 years old or valued below KES 300,000.
Popular Insurance Providers for Mazda Cars in Kenya
- Leading Insurers: Companies like Jubilee Insurance, CIC Insurance, Britam, and AAR Insurance offer competitive policies.
- Gybird Motors' Role:
- Gybird Motors connects Mazda owners with trusted insurers for tailored coverage.
- We provide advice to customers during claims processing.
- We ensure smooth repairs using genuine Mazda parts.
- Automatic
- Petrol
- 2017
- 1500 cc
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Loan Calculator:
Mazda Axela 1500cc Petrol (Year of Manufacture: 2017, New Shape)
The 2017 Mazda Axela brings a perfect balance of style, performance, and modern technology. Powered by a 1.5L 4-cylinder engine, it produces 111 horsepower and 144Nm of torque. The six-speed automatic tran...
Tips for Lowering Insurance Costs for Mazda Owners
- Maintain a clean driving record to qualify for no-claims discounts.
- Install safety features like alarms, immobilizers, or tracking devices.
- Opt for higher deductibles to lower premium costs.
- Bundle multiple insurance policies for discounts.
Common Claims and How to Handle Them (Important)
- Typical Claims: Accidents, theft, fire, and natural disasters.
- Filing a Claim:
- Notify your insurer immediately.
- Provide required documents, including the police report, claim form, and repair estimates.
- Ensure paperwork accuracy to avoid delays.
Frequently Asked Questions About Mazda Car Insurance
- What is the minimum insurance requirement for Mazda cars in Kenya?
- Third-party insurance is mandatory.
- How is the premium calculated for Mazda models in Kenya?
- Factors include the car's value, model, usage, and the driver's history.
- What is not covered by comprehensive insurance?
- Wear, tear, and depreciation.
- Damages due to negligence (e.g., driving under the influence).
- Third-party liabilities outside Kenya or within restricted zones (e.g., airports).
Get the Best Mazda Insurance with Gybird Motors
Protect your Mazda with the best insurance coverage today! Joyce, a trusted Mazda car insurance agent working closely with Gybird Motors, is here to help.
Contact Joyce at 0723 499 239 for expert guidance on affordable and reliable coverage tailored to your needs.
Visit Gybird Motors for additional support, and let us ensure your Mazda gets the protection it deserves.
