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Why You Need to Ensure Your Boda Rider Has a Cover

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Boda Boda Riders

Boda Boda Riders

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It is currently estimated that there are over 1.5 million Boda Boda operators in Kenya.

However, majority of them are considered untrained and unprofessional, leading to many accidents across the country. For example, in 2020, over 439 passengers died from Boda Boda-related accidents, according to data from the Insurance Regulatory Authority (IRA)

“There has been a high rate of accidents occasioned by Boda Bodas leaving the injured fare-paying passengers with no recourse or access to medical services,” IRA Chief Executive Godfrey Kiptum noted.

The Insurance Regulatory Authority (IRA) has now proposed changes to the motor vehicle insurance rules introduced in 1999 that will make it illegal for motorbike taxis to operate without covers for their passengers.

The proposed changes are meant to protect passengers and pedestrians in case of accidents.

The move has received great support from the Association of Kenya Insurers (AKI), which emphasized the need for boda boda operators to have third-party insurance cover to protect their customers.

The insurance company will cater for damages including Ideally, property damage, bodily injury to the driver or any passenger in the vehicle, disability during an accident.

Ideally, having a third party cover means if the third party dies at the spot because of an accident, your insurer will provide the death compensation to them.

If the passenger gets injured while on the boda boda, the insurance provider will also cover both minor and major treatments as needed.

Also, in case of any physical disability, either partial or permanent disability, the insurer will compensate the victims.

 Though nobody can compensate for the bodily loss, 3rd party insurance offers financial compensation to overcome the sustained situation.

“We need to protect Kenyans. When you jump onto that boda boda, you need to be sure that the least it has is the third-party cover. Boda bodas knock people dead and injured others. These people need to be compensated,” AKI chief executive officer Tom Gachuhi said.