A significant gap exists between mandatory motorcycle insurance and actual protection for Kenyan boda boda riders, leaving many abandoned after accidents despite holding policies. Riders report issues with unclear policy terms, expensive covers, and insurers often finding ways to deny claims.

• In 2025, motorcycle-related deaths rose to 1,148, up from 1,055 in 2024, according to the National Transport and Safety Authority (NTSA).
• Aggrey Adika, a boda boda rider, paid medical bills out of pocket after a 2025 accident because his third-party insurance did not cover him.
• Sebastian Kamau was denied an insurance claim because his driving license was for a vehicle, not a motorcycle, after a hit-and-run incident in Nairobi's Mathare area.
• Kevin Mubadi, President of the Boda Boda Association, stated many riders distrust insurers due to non-payment of claims, with the association now working on a new centralization program with insurance companies.
• Sanlam Allianz General Insurance COO, Sylvester Nzioka, admitted the industry's shortcomings, acknowledging that insurers sometimes fail to explain policy exclusions and some lack strong capital bases.