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DON’T TAKE A RISK Ride in an insured car

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Everyone rides in a car at some point to get to their destination – it could be your car, a friend’s or family member, or public transport. Whoever owns the car you ride in, you have an interest in its insurance. Riding an uninsured car, whether yours or belonging to somebody else, is like taking a death plunge. If an accident happens, you will be on your own, literally. You can’t expect any compensation and if you are the owner of the car, you will be run bankrupt by claims that will follow. Insurance takes care of such eventualities and gives you peace of mind to know if anything happened, you will have a helping hand.

In most countries, Kenya included, it is mandatory to have liability insurance cover, also known as third party cover, which covers cost of any damage you do to other people, property or other things with your car. You should be aware that third party policy does not cover injuries to you or other people on your policy and that is why the most appropriate cover is comprehensive cover, which takes care of most situations.

Comprehensive insurance covers damage not only from road accidents but also other events such a floods, fire, theft and so on. In this country, you cannot afford not to have a theft cover when motor vehicle thefts are on the increase. Comprehensive coverage makes more sense for newer vehicles and is generally required if you are paying a loan on your car. Comprehensive insurance could also include other things such as personal injury protection to cover medical costs if you are injured in an accident and it may also cover passengers and pedestrians.

It could also include towing charges and car hire services if your car needs to be off the road for some time for repairs, but all these add to your insurance cost. If you have membership in another organisation such as Automobile Association of Kenya (AA) who offer free towing services to their members, you don’t need to pay extra for that service. If you also have another car you could use incase of an accident, your premium will be cheaper if you didn’t pay for a car hire service. Check your policy to ensure you are not paying double for any aspect of the insurance.

If you are planning to buy a car or intend to renew your current insurance, plan ahead. Check on insurance policies available with different companies. Also ensure the reputation of the insurance company is good as you don’t want to be insured with a company that is likely to go bankrupt or one that does not pay promptly when a claim is lodged. Insurance costs are based on how likely a vehicle is to be stolen, damaged, or to inflict damage on other vehicles, property and people. Your age is also a major determinant factor, as well your driving experience, status of your driving license and whether you have been in accidents before. The younger you are the more expensive your policy is likely to be, as you are viewed as high risk because of your lack of experience and also the tendency for young blood to go for the thrill and drive fast. Speed is a factor in many accidents.

The value of the car and repair and replacement costs are also factors. If you are driving a Ksh5000000 car you should expect to pay more than one driving a Ksh2000000 car. Though it will cost you more to insure a new BMW than an old Toyota, one of the best ways to keep insurance costs low is to keep your driving record clean. Insurance companies charge you based on how likely you are to file a claim – and accidents are the biggest source of claims. If you cause an accident and make a claim, you can expect your policy to go up substantially upon renewal.

Most insurance companies offer a non-claim bonus if you don’t make claims and it is therefore advisable not to file small claims but to take care of them yourself. Also remember that once you file a claim you have to pay a deductible, based on what your policy contract says, even before your claim can be processed.

Before you insure your car, ensure you understand all the benefits and penalties. For example, your insurance could refuse to pay you if they can prove the accident was caused through drunken driving. Most car insurance policies are paid on a yearly basis but you can negotiate to pay on a monthly basis but this will be more expensive because of the paperwork involved.

The law requires that vehicle insurance policies are displayed on the windscreen. If in doubt of the insurance status of the car you are just about to hop in, just step to the front and check if the cover is valid. Many drivers take a risk of driving without a valid insurance policy and because traffic police cannot effectively monitor all vehicles on the road, you could be taking a great risk riding in a car that has no valid insurance.

If you get into an accident, you can be sure there will not be any compensation and if you pursue the matter through the courts, it could take a long time to be settled. At the end of draining court battles and nursing your injuries, you could find the owner of the vehicle has no assets that can be sold to compensate you. To avoid this losing battle, don’t ride in a car without a valid insurance.

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

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While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

Published

on

While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

Continue Reading

Cover Story

Endometriosis and sex: How to make intimacy pain-free

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There is no doubt that endometriosis can affect a woman’s way of life. The condition slews a couple of conditions, painful sex being one of them. Penetration pulls and pushes any tissue growth behind the vagina and lower uterus.

Although symptoms may differ from woman to woman, here are some things you can do to lessen your pain and ensure you have some good time:

Take a dose of painkillers

Take an over the counter painkiller that sits well with your body before intercourse and incase pain persists, take another one as prescribed.

Track your cycle and try at certain times of the month

Most women with endometriosis experience excruciating pain during their period and ovulation. Keep track of your cycle so that you can know when you are ovulating. You can use apps like my calendar and flo period tracker to track your periods. This will help you know when best to engage in sexual intercourse.

READ ALSO: Crucial Facts About Endometriosis Everyone Should Know About

Use lube

Vaginal dryness is not something to be ashamed of and if you happen to have it, lube should be your best buddy. Make sure to use any silicon or water based lubricant anytime you feel like your vagina is dry. Ensure the application is of good amount to achieve a wet area.

Explore alternatives

Talk with your partner about things that turn you on and bring you pleasure. Just to mention a few; mutual masturbation, foreplay, kissing and mutual fondling. Sex does not have to mean intercourse.

Try different positions

Experimenting different positions can teach you and your partner which ones hurt and the ones that bring direct pleasure with no or less pain. Positions that are considered better vary from person to person so take the time to explore and learn yourself with your partner.

Find the right rhythm

Finding the right rhythm can help you experience less discomfort during sex. Quick thrusting or deep penetration can aggravate pain. Talk to your partner about that which you do not like and find ways that will satisfy the both of you like exchanging positions so that you can control the speed and rhythm.

Bottom line

Intimacy does not have to be boring, painful or make you hate the condition that you have. Talk openly about your feelings around sex and penetration and what would help to ease your concerns.

Our FREE  e-paper March Issue is here!
As we celebrate our women this month, we bring you the best stories and the most inspiring features to get you going.
Click HERE to read!

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