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YOUR INSURANCE OPTIONSPrepared by Shieldpoint Pillar
DEMO COMPARISON

Private Motor Comprehensive

Clearer context for a considered insurance decision.

Prepared for
Demo Client
Vehicle
2025 Demo SUV
Vehicle use
Private use
Sum insured
KES 7,500,000
Prepared
27 August 2026
Reference
SP-DEMO-MOTOR-0001
Status
Prepared for review
Illustrative demo data only — insurers, terms and premiums are fictional.

We’ve organised the key details from the quotations below to make comparison easier. Premium is important, but limits, excesses, extensions and policy conditions can matter just as much.

The comparison below summarises information provided in insurer quotations. The insurer’s official quotation and policy wording remain the authoritative source of terms and conditions.
Lowest PremiumInsurer A

KES 226,053

Higher Windscreen LimitInsurer C

KES 239,111

GUIDED COMPARISON

What matters most to you?

Select a priority to bring relevant differences into focus. This does not change pricing or determine suitability.

QUOTATION OPTION

Insurer A

Private Comprehensive

Lowest Premium
Annual premiumKES 226,053
View Premium Breakdown +

Basic rate3.00%

Basic premiumKES 225,000

Training levyKES 450

PHCFKES 562.50

Stamp dutyKES 40

Official quoted totalKES 226,052.50

Excess
KES 37,500
Windscreen limit
KES 100,000
Quote validity
Valid until 12 September 2026

PVT✓ Included

Excess protector✓ Included

Courtesy car / loss of use? Not stated

Towing✓ IncludedUp to KES 50,000

Medical expenses✓ Included

Personal accident? Not stated

Additional requirements

Pre-cover valuation required

Required documents

Copy of logbook

Identification and KRA PIN shared privately

Special conditions

Subject to insurer underwriting

QUOTATION OPTION

Insurer B

Enhanced Comprehensive

Annual premiumKES 244,887
View Premium Breakdown +

Basic rate2.75%

Basic premiumKES 206,250

PVTKES 18,750

Excess protectorKES 18,750

SubtotalKES 243,750

Training levyKES 487.50

PHCFKES 609.38

Stamp dutyKES 40

Official quoted totalKES 244,886.88

Excess
KES 50,000
Windscreen limit
KES 150,000
Quote validity
Valid until 18 September 2026

PVT+ Optional

Excess protector+ Optional

Courtesy car / loss of use✓ Included10 days

Towing✓ Included

Medical expenses? Not stated

Personal accident? Not stated

Additional requirements

Approved tracker required

Pre-cover valuation required

Special conditions

Tracker installation is at the client’s cost

QUOTATION OPTION

Insurer C

Premier Motor Cover

Higher Windscreen Limit
Annual premiumKES 239,111KES 19,926 monthly equivalent
View Premium Breakdown +

Basic premiumKES 238,000

Training levyKES 476

PHCFKES 595

Stamp dutyKES 40

Official quoted totalKES 239,111

Excess
KES 30,000
Windscreen limit
KES 200,000
Quote validity
Validity has passed

PVT✓ Included

Excess protector+ OptionalAvailable on request

Courtesy car / loss of use✓ Included14 days

Towing✓ Included

Medical expenses✓ Included

Personal accident✓ Included

Additional requirements

Pre-cover inspection may be requested

Notable exclusions

Use outside declared private use

This quotation may have expired. Please request updated terms before relying on the premium shown.

ADVISORY CONTEXT

Shieldpoint’s comparison notes

Option A has the lowest total premium in this illustrative comparison. Option C shows the highest windscreen limit, while Option B separates PVT and Excess Protector as additional charges. Excesses, valuation requirements and tracker conditions should be confirmed before a decision.

This note is based only on the illustrative details shown above and is not an insurer recommendation.
SIDE-BY-SIDE REVIEW

Compare the details

DetailInsurer AInsurer BInsurer C
Annual premiumKES 226,053KES 244,887KES 239,111
Basic rate3.00%2.75%? Not stated
PVT✓ Included+ Optional✓ Included
Excess protector✓ Included+ Optional+ Optional
WindscreenKES 100,000KES 150,000KES 200,000
Radio / entertainment coverKES 50,000Not statedKES 75,000
Courtesy car? Not stated✓ Included✓ Included
Towing✓ Included✓ Included✓ Included
ExcessKES 37,500KES 50,000KES 30,000
Tracker requirement— Not statedApproved tracker required— Not stated
ValuationPre-cover valuation requiredPre-cover valuation required— Not stated
Quote validityValid until 12 September 2026Valid until 18 September 2026Quotation validity has passed
Important conditionsSubject to insurer underwritingTracker installation is at the client’s cost? Not stated
Notable exclusions? Not stated? Not statedUse outside declared private use
Annual premium+

Insurer AKES 226,053

Insurer BKES 244,887

Insurer CKES 239,111

Basic rate+

Insurer A3.00%

Insurer B2.75%

Insurer C? Not stated

PVT+

Insurer A✓ Included

Insurer B+ Optional

Insurer C✓ Included

Excess protector+

Insurer A✓ Included

Insurer B+ Optional

Insurer C+ Optional

Windscreen+

Insurer AKES 100,000

Insurer BKES 150,000

Insurer CKES 200,000

Radio / entertainment cover+

Insurer AKES 50,000

Insurer BNot stated

Insurer CKES 75,000

Courtesy car+

Insurer A? Not stated

Insurer B✓ Included

Insurer C✓ Included

Towing+

Insurer A✓ Included

Insurer B✓ Included

Insurer C✓ Included

Excess+

Insurer AKES 37,500

Insurer BKES 50,000

Insurer CKES 30,000

Tracker requirement+

Insurer A— Not stated

Insurer BApproved tracker required

Insurer C— Not stated

Valuation+

Insurer APre-cover valuation required

Insurer BPre-cover valuation required

Insurer C— Not stated

Quote validity+

Insurer AValid until 12 September 2026

Insurer BValid until 18 September 2026

Insurer CQuotation validity has passed

Important conditions+

Insurer ASubject to insurer underwriting

Insurer BTracker installation is at the client’s cost

Insurer C? Not stated

Notable exclusions+

Insurer A? Not stated

Insurer B? Not stated

Insurer CUse outside declared private use

PLAIN-LANGUAGE SUPPORT

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Important

Shieldpoint Pillar Insurance Agency Limited provides quotation comparison and advisory support. This page summarises insurer quotations for convenience and does not replace the insurer’s official quotation, policy wording, underwriting requirements or terms. Premiums and terms may change before cover is confirmed.

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