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You pay for motor insurance, receive a certificate, place it on your windscreen as required, and move on with life. For most Kenyan motorists, that is where the process ends. But what if the certificate is fake? What if your insurance was cancelled months ago without your knowledge?
These are questions that more motorists are being forced to confront as cases of fake motor insurance certificates continue to emerge across the country. According to the Association of Kenya Insurers (AKI), many victims are not intentionally breaking the law. They are ordinary motorists who purchased insurance in good faith but were deceived by rogue and often unlicensed agents.
The risks extend far beyond receiving a traffic offence. A motorist driving with fake insurance is effectively uninsured. This means that in the event of an accident, they may be forced to pay for vehicle repairs, property damage, medical expenses, and compensation claims out of their own pocket. For serious accidents, these costs can be financially devastating.
The problem often begins when fraudsters issue altered or fake certificates that look genuine. In other cases, they activate the policy before cancelling it and keeping the premium intended for the insurer. The motorist continues driving, unaware that the cover no longer exists.
