IRA Class 16 · General
Motor Commercial in Kenya
Cover for goods-carrying and commercial-use vehicles under IRA Class 16.
What does Motor Commercial cover?
Covers lorries, vans, tankers, tippers and special-purpose vehicles for accident, theft, fire and third-party liability while used for business.
Who needs Motor Commercial?
Transporters, logistics firms, fleet operators and any business-owned vehicle.
Examples of Motor Commercial policies in Kenya
- Fleet comprehensive cover
- Trailer & prime-mover cover
Frequently asked questions
Does motor commercial cover the goods being carried?
No - goods in transit cover (Class 14) is needed separately to protect the cargo.
Regulation
Motor Commercial is licensed under Class 16 of the Insurance Act (Cap 487) and supervised by the Insurance Regulatory Authority (IRA). Only insurers holding a current Class 16 licence may underwrite this cover in Kenya.