Britam General Insurance has unveiled a new Electric Vehicle (EV) insurance cover tailored for both fully electric and hybrid vehicles, a step in Kenya’s transition toward sustainable transport.
The launch positions Britam alongside GA Insurance, which also offers EV coverage, as part of a growing cohort of insurers responding to the country’s green mobility ambitions.
“This EV insurance cover shows how Britam innovates to meet evolving customer needs while supporting sustainable transport,” said James Mbithi, CEO and Principal Officer, Britam General Insurance. “By providing tailored EV insurance, we are contributing to a low-carbon future while helping the market scale responsibly.”
Supporting National Policy Goals
Britam’s move aligns with the Draft National e-Mobility Policy developed by the Ministry of Transport and Infrastructure, which sets a target for EVs to account for 5% of new vehicle registrations by 2025. The policy outlines a comprehensive framework to promote electric mobility through fiscal incentives, infrastructure development, and public-private partnerships. It also emphasises the need for insurance products that address the unique risks associated with EV ownership, including battery degradation, limited repair networks, and charging logistics.
By offering specialised coverage, Britam directly supports the policy’s goals of reducing greenhouse gas emissions, lowering urban air pollution, and enhancing energy security through reduced reliance on fossil fuels.
Tailored Protection for EV Owners
Britam’s EV insurance product includes several standout features designed to meet the specific needs of electric vehicle users:
- Battery Protect Cover Extension: Safeguards the EV’s battery and electric motor system, the most valuable and vulnerable components.
- Charging Equipment Cover: Protects personal charging units against damage or theft.
- Out-of-Charge Recovery Service: Tows vehicles to the nearest charging station if stranded due to battery depletion.
In addition to EV-specific benefits, the cover includes comprehensive protection under Britam’s standard motor insurance terms, such as
- Accidental damage, theft, fire, and flooding
- Malicious damage, political violence, and terrorism
- Courtesy vehicles, road rescue, and excess protection
Premiums are structured to remain affordable, with flexible payment options including lump-sum and monthly installments. The cover also extends to privately used electric motorcycles, broadening access to clean mobility across different vehicle segments.
Sustainability in Action
Britam’s EV insurance launch builds on its broader sustainability commitments. The company has installed three EV charging stations with six charging ports, along with a 183-panel solar carport at its Nairobi headquarters a tangible investment in clean energy infrastructure.
As Kenya’s EV ecosystem evolves, Britam joins GA Insurance in offering products that not only protect consumers but also catalyse the country’s shift toward a greener, more inclusive transport future.
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