Simplified Motor Insurance
For Kenyan Roads.
Whether it's your personal car, an Uber, or a fleet of commercial trucks, we provide covers that actually work when you need them most.
Why Insurance Often Feels Broken
The Problem
- •Hidden Terms: Getting stuck with "fine print" that prevents claims from being paid.
- •Slow Recovery: Waiting weeks for a garage assessment or a police abstract process.
- •Overpriced TPO: Paying more than the standard KES 4,500 for basic legal compliance.
The Shamja Solution
- •Absolute Transparency: We explain exactly what is covered (and what isn't) before you pay.
- •WhatsApp Direct: Submit your claim details via WhatsApp and we handle the paperwork with the insurer.
- •Guaranteed Pricing: Instant TPO for KES 4,500/year—no hidden brokerage fees.
Explore Motor Categories
Tailored protection for every type of road user.
Private Car & Bike
For personal use vehicles. Includes our instant TPP calculator.
View Details →Commercial Vehicles
Own goods or general cartage. Tonnage-based pricing.
View Details →Institutional
Schools, Churches, and NGO buses. Seat-capacity pricing.
View Details →PSV (Taxi/Matatu)
Specialized cover for Uber, Little Cab, and public transport.
View Details →Ready to hit the road with peace of mind?
Don't wait for an accident to find out your cover is insufficient. Get a quote today and join the Shamja family.