How to Pay Less for Comprehensive Car Insurance With Britam's Motomatic

EDITOR'S NOTE: This article is produced in partnership with Britam and AiCare who power Motomatic. For more on Money254’s editorial policy, read here.

Every Kenyan motorist dreams of the convenience and security that comes with comprehensive car insurance. Imagine the peace of mind knowing that, whether it's an accident, theft, or unexpected damage, you're fully covered. 

The benefits of comprehensive insurance, however, often come at a high price and with the rising cost of cars and the high cost of living - there is no better time to get a discount on your car insurance premiums. 

The Kenyan insurance market is adjusting to global innovations that have made insurance more affordable and fairer to consumers. 

One such innovation is Britam’s Motomatic—a mileage-based motor insurance cover designed to make comprehensive insurance more accessible for you, especially if you drive less. 

With Motomatic, you can enjoy the full benefits of comprehensive insurance at a lower cost, as your premium is tailored to your usage-pattern. 

How to Pay Less for Comprehensive Car Insurance

Take Advantage of Low Mileage Discounts

If you don’t drive frequently—perhaps only on weekends or just for commuting to work—your chances of being involved in an accident decrease, and your car experiences less wear and tear. 

In the past, the usage pattern has not mattered much when calculating insurance premiums. If you have two cars of the same make, value, and model, their premiums would traditionally be the same even if one is only driven on weekends. 

Motomatic from Britam offers a solution tailored to this situation. The plan uses Artificial Intelligence (AI) technology to offer lower premiums for car owners whose cars cover less than 10,000 kilometers in a year. 

Additionally, if you exceed the mileage cap, you have the option to top up your coverage for another 10,000 kilometers, maintaining low premiums without sacrificing coverage.This approach can result in savings of up to 20% off standard pricing. 

Sign Up for Helpful Feedback on Safe Driving Tips

Real-time feedback on the safety of your driving tools can be an invaluable tool in helping you become a safer driver. Insights into your driving habits—such as speed, braking, and acceleration—allow you to make adjustments that not only enhance your safety but also reduce your car consumption habits. 

Motomatic’s AI technology tracks your driving behavior and calculates a driving score based on the collected data. Improved driving scores lead to lower premiums. 

Additionally, the system offers insights into fuel consumption, potentially helping you save on fuel costs. The telematics system also includes an accurate tracking feature, enhancing your car’s security by always letting you know where your vehicle is. 

Get Extra Add-Ons Without Paying Extra

Comprehensive car insurance doesn’t always mean full coverage. Depending on your insurer, vehicle type, and specific needs, additional add-ons may be required to get the full protection you want. 

Motomatic offers some of these add-ons without additional charges.  For example, it comes with a free courtesy cab, offering free taxi rides if your car is involved in an accident and needs repairs. 

These features, typically available only at an extra cost in other comprehensive policies, are standard with Motomatic, helping you save money while still receiving more from comprehensive coverage.

In Summary Motomatic’s benefits include:

• Coverage for accidental loss, damage, or destruction to the insured car.
• Protection against accidental damage to third-party property (excluding property of the participant and their family)
• Coverage for accidental death or bodily injury to third parties, excluding the driver, participant, their employees, and family members.
• Legal costs incurred due to incidents involving the insured car.
• Courtesy car during repairs following an accident, fire, or theft (up to Ksh30,000)
• Coverage for windscreen replacement due to accident or damage (up to Ksh30,000)

How to Apply for Motomatic Insurance Online

Step 1: Visit the Motomatic page here and provide basic details about your vehicle

Step 2: Receive an online quote with the discounted rate and complete your payment via card or M-Pesa.

Step 3: A Motomatic technician will come to your location within 45 minutes for installation and valuation. This service is available at your home, office, or even on the go within Nairobi. If they can’t reach you, you’ll be directed to the nearest installation and valuation center.

Step 4: Once everything is set, you’ll receive a digital certificate via email. Print it out and display your new insurance sticker.

Step 5: Download the mobile app to monitor your mileage and access safe driving tips.