Yes, absolutely. Every vehicle in our fleet comes with Comprehensive Insurance – the highest level of motor cover available in Kenya. You will never drive an uninsured car from us.

In countries like the UK or the USA, one insurance policy can sometimes cover multiple drivers or cars. In Kenya, it works differently — each car has its own individual insurance policy attached to it. When you hire a car from Bamm Tours, the insurance travels with that specific vehicle, not with you as a person.

Comprehensive insurance covers:

• ✅ Damage to the hired vehicle in an accident
• ✅ Damage caused to other vehicles or property (third parties)
• ✅ Injury compensation for other people involved in the accident

What it does not cover:

• ❌ You, the driver/hirer, personally
• ❌ Your personal belongings inside the car
• ❌ Damage to tyres, bumpers, headlights, windscreen, wheels, undercarriage, roof, or interior

Correct — the car’s comprehensive insurance does not cover your personal injuries or medical costs. This surprises many customers, which is why we strongly recommend purchasing a Personal Accident Cover (PAC) before or at the time of booking. This covers your medical expenses, hospitalisation, or compensation in the event of injury during the hire period.

We only use Comprehensive Insurance across our entire fleet — never third-party only.

The excess is the first portion of any repair or replacement cost that you pay personally before the insurance company covers the rest.

Think of it like this: if you visit a hospital and your insurance covers everything above KES 5,000, you pay the KES 5,000 first — that is your excess. Car insurance works the same way.

At Bamm Tours, the excess is 10% of the car’s market value.

Here’s an example of real numbers.

 Yes. In Kenya, the excess is paid regardless of who caused the accident. Even if another driver ran into you, you are required to pay the excess first — directly to the insurance company — before the car goes to the garage for repairs. This is standard practice across all Kenyan insurance companies, not just at Bamm Tours.

The excess is paid directly to the insurance company — not to Bamm Tours. It must be paid before the vehicle is admitted to the approved garage for repairs. Bamm Tours will guide you through the process step by step if an accident occurs.

We understand why it can feel that way. The excess exists for three good reasons:

1. It discourages unnecessary or false claims — if there were no excess, people might claim for every tiny scratch
2. It keeps insurance premiums affordable for everyone
3. Insurance companies have the same administrative cost to process a claim, whether it is big or small — the excess helps cover that

TPI protects you in the event the car is stolen while in your care. Without TPI, you could be liable for the full replacement cost of the vehicle. With TPI, your maximum liability is capped at 10% of the car’s value.

We strongly recommend TPI for all self-drive hirers, especially those travelling to unfamiliar areas.

⚠️ For TPI to be valid, you must:

1. Always lock the car when unattended
2. Avoid leaving the car parked in public areas for long periods
3. Report the theft to police immediately and provide a statement
4. Notify Bamm Tours without delay

CDW means that if the car is damaged in a collision, the repair costs are largely covered — you only remain personally responsible for the first 10% of the car’s value (the excess). Anything above that 10% is covered.

⚠️ CDW does not cover damage to:

• Tyres, bumpers, headlights, windscreen
• Wheels, undercarriage, roof, and interior

These are always charged separately regardless of what cover you have.

LDW is simply CDW + TPI combined into one package. It is the most complete protection available:

• ✅ Car damaged in an accident → covered (up to excess limit)
• ✅ Car stolen → covered (up to excess limit)

If you want one option that covers everything, LDW is it. It is the most popular choice among our international and diaspora customers.

The Excess Liability Waiver is a small, non-refundable fee you pay at the time of booking. In return, you are no longer personally responsible for paying the 10% excess if something goes wrong.

Here is the difference it makes:

Is it worth it? Yes, especially for first-time hirers, visitors to Kenya, and anyone hiring a high-value vehicle like a Prado or Land Cruiser.

Heres simple summary table.

Your deposit may be partially or fully withheld if the car is returned:

1. Late (after the agreed return time)
2. Dirty — interior or exterior (charged at KES 1,000, or KES 5,000 for deep cleaning)
3. With less fuel than when collected
4. With any new damage, dents, or scratches not noted at collection

Stay calm and follow these steps:

1. Ensure everyone is safe — move to the side of the road if possible
2. Call Bamm Tours immediately on any of our contact numbers
3. Do not move the vehicle until police arrive, if possible
4. Call the police — especially if there are injuries or significant damage
5. Take photos of the scene, damage, other vehicles, and number plates
6. Do not admit fault or make any payments at the scene to anyone
7. Get the other driver’s details — name, phone number, insurance, and plate number
8. We will guide you on where to take the vehicle for assessment

This is what we do;

1. Call Bamm Tours immediately — do not wait
2. Go to the nearest police station and record a formal statement
3. Obtain a Police Abstract (official document confirming the theft report)
4. Cooperate fully with both the police and Bamm Tours in the investigation
5. Your liability is limited to the excess amount. TPI or LDW cover will apply if you purchased it

 No. The vehicle must be taken to a Bamm Tours-approved garage — we will advise you which one after assessing the situation. Taking the car to an unauthorised garage could void your insurance cover.

When you hire with a driver from Bamm Tours, the driver is our employee and is covered under our company policy. In most cases, the excess liability shifts to Bamm Tours rather than to you. However, we still recommend discussing your specific trip with us so we can advise accordingly — especially for long-distance or safari journeys.

The vehicle’s comprehensive insurance covers third parties and the vehicle itself. As a passenger, your personal medical cover is still not included in the vehicle’s policy. We recommend all clients — self-drive or with driver — carry personal travel insurance that includes medical and accident cover, especially for international visitors.

Yes. Breaking any of these rules could void your cover entirely:

• 🔒 Always lock the car when unattended
• 🚫 Do not drive off-road unless in a vehicle specifically hired for that purpose
• 🚫 Do not carry passengers for payment — no taxi or rideshare use
• 🚫 Do not allow an unlisted/unauthorised driver to drive the vehicle
• 🚫 Do not drive under the influence of alcohol or drugs
• 📍 Always drive within the agreed locations disclosed at booking
• ⛽ Only fuel at reputable stations — Shell or Total recommended

You must never hand over the vehicle to another driver who has not been approved and listed in the hire agreement by Bamm Tours. If an unlisted driver is involved in an accident, your insurance cover is void and you become personally liable for all costs.

Yes. All Bamm Tours self-drive vehicles are fitted with a GPS tracking device. If the vehicle travels outside the agreed locations, it can be remotely immobilised. This is for the security of both you and the vehicle. Always disclose your travel plans honestly at the time of booking.