Takaful Insurance of Africa (TIA) TIA Motor Takaful

Motor cover from Kenya's only IRA-licensed takaful operator, in three tiers: Comprehensive (accidental damage, theft, fire, third-party injury and property, windscreen and entertainment system), Third Party Fire & Theft, and Third Party Only. The pool works on mutual solidarity: participants contribute to a common fund, TIA charges a Wakalah management fee, and any surplus after claims and expenses belongs to participants rather than the operator. Extras include emergency roadside assistance and a network of approved repair garages, with claims acknowledged within 24 hours and standard claims processed within 14 working days per TIA's published FAQ (takafulafrica.co.ke, crawled 2026-08-06).

For a Kenyan Muslim driver the market question is simple: TIA or a conventional insurer. TIA's Motor Takaful is the only IRA-licensed takaful option and the governance is genuinely documented, with four named scholars and an articulated Wakalah-plus-surplus model. The gaps are commercial rather than religious: no printed rate card, so you cannot compare price without calling, and no published surplus distribution history to prove the mutuality works in practice. Kenya's market share data puts TIA at roughly 0.45% of general business, so expect a smaller repair network than Britam or CIC, offset by the fastest-claims reputation TIA prints and the fact that a rejected alternative simply does not exist in licensed takaful form.