๐Ÿš— The Hidden Costs of Importing Cars to Kenya: What Most Buyers Forget to Budget For

๐Ÿš— The Hidden Costs of Importing Cars to Kenya: What Most Buyers Forget to Budget For

Importing a car into Kenya might seem straightforward—get a good deal from Japan or Dubai, pay for shipping, clear at the port, and drive off. Right?

Wrong.

Many first-time importers—and even seasoned buyers—are often caught off guard by hidden charges and surprise expenses that push their final cost way above budget.

In this article, we'll break down every cost you probably didn’t plan for—and how to avoid being blindsided when your dream car lands at the Port of Mombasa.


๐Ÿ“ฆ The Illusion of a Low “FOB” Price

You’ll often see cars advertised online with an FOB (Free On Board) price like:

  • ๐Ÿš™ Toyota Axio: FOB ¥850,000

  • ๐Ÿš˜ Mazda Demio: FOB ¥620,000

  • ๐Ÿš— Nissan Note: FOB ¥570,000

While these prices may seem attractive, they exclude most of the real costs of importation. Let’s reveal what’s really waiting beyond the FOB.


๐Ÿ’ธ Hidden Costs That Add Up Quickly

1. ๐ŸŒŠ Shipping & Marine Insurance (CIF)

Once the car is loaded onto the ship, you’ll be charged freight and marine insurance (together known as CIF).

  • Freight: $1,000–$1,400 depending on origin (Japan, UAE)

  • Marine Insurance: 0.6% of vehicle value

๐Ÿงฎ For a ¥900,000 car, marine insurance could be around KES 5,000–10,000.


2. ๐Ÿ›ƒ KRA Import Duty, VAT & Levies

This is often the largest cost after purchase. KRA applies several taxes based on a Customs Value, not your purchase price.

Taxes include:

  • Import Duty: 25%

  • Excise Duty: 20% or more (depending on engine size)

  • VAT: 16%

  • IDF (Import Declaration Fee): 2%

  • Railway Development Levy (RDL): 1.5%

๐Ÿงพ Duty for a 2017 Toyota Fielder can exceed KES 450,000–600,000.

Shocker: KRA doesn’t use your receipt—they use their own valuation databases (Current Retail Selling Price - CRSP).


3. ๐Ÿšข Port Handling Charges

After your car lands in Mombasa, you must pay:

  • Port handling fees

  • Customs warehouse fees

  • Clearing agent fees

These range from KES 15,000–30,000, depending on how fast you clear.


4. ๐Ÿงพ Clearing Agent Commission

Clearing agents help you process documentation and navigate KRA systems. Their fees usually include:

  • Port processing

  • KRA Simba system access

  • NTSA portal updates

Typical agent commission: KES 15,000–30,000

Avoid the temptation of going it alone—you’ll lose more than you’ll save.


5. ๐Ÿงฑ Storage & Demurrage

If your vehicle isn’t cleared within the free days (usually 4–5 days), Mombasa port will start charging:

  • KES 2,000–4,000 per day

Delays from missing documents, agent issues, or public holidays can easily lead to KES 10,000–30,000 in storage fees.


6. ๐Ÿงฏ NTSA & Inspection Fees

To register and get your number plate, you must pay:

  • JEVIC/QISJ/EAA inspection fee (approx. KES 15,000–20,000)

  • NTSA registration & number plate: KES 6,000–8,000

  • RTS (Road Transport Service) fees

You also need to upload the logbook details and get your new Tims NTSA account updated.


7. ๐Ÿ”ง Mechanical Fixes After Arrival

Even clean auction cars may arrive with:

  • Flat battery from long shipping

  • Worn-out tires

  • Cracked windshields

  • Minor body scratches

  • Oil/filter changes needed

Budget at least KES 15,000–30,000 for a basic check-up and service.


8. ๐Ÿ›ก️ Insurance & Logbook Processing

Before you hit the road, you must:

  • Insure the car (comprehensive preferred) — KES 25,000–60,000

  • Logbook transfer and ownership — KES 3,000–4,000

Tip: Some insurers now bundle registration and inspection support—ask around!


9. ๐Ÿšš Delivery to Nairobi or Upcountry

If you’re not in Mombasa, you’ll need to factor in:

  • Fuel cost or carrier fee: KES 15,000–50,000 depending on your location

  • Driver fee & NTSA movement permit: ~KES 3,000


๐Ÿ’ฅ Real Example: What It Really Costs to Import

Case Study: 2017 Mazda Demio from Japan

ItemCost (KES)
FOB (¥680,000 @ 1.10)748,000
CIF (Freight & Insurance)170,000
KRA Duty & Taxes490,000
Port Fees & Clearing Agent30,000
Storage/Delays (5 days late)12,000
Inspection & NTSA20,000
Basic Repairs & Service18,000
Insurance28,000
Transport to Nairobi25,000
Total Cost to Roadworthy1,541,000

๐Ÿง  Code & Clutch Tips to Avoid Budget Surprises

✔️ Ask for an All-Inclusive Quote

Don’t rely on FOB alone—request the full CIF + Duty + Clearance + Delivery estimate.

✔️ Confirm Duty With the KRA Calculator

Use our Car Import Tax Calculator to get a close estimate based on CRSP.

✔️ Prepare a Contingency Budget

Add KES 80,000–100,000 buffer for unexpected charges, especially if you're a first-time importer.

✔️ Choose a Reliable Agent

Work with a verified, experienced agent who provides itemized cost breakdowns. Ask for references.


๐Ÿ“ธ Suggested Images for This Article

  1. Infographic of “True Cost of Importing a Car”

  2. Flowchart from Auction to Kenyan Road

  3. Photo of a clearing agent at Mombasa Port

  4. Invoice with hidden fees highlighted

  5. Dashboard image with warning lights on arrival


๐Ÿ Final Word: Budgeting is the Key to a Smooth Import

The real cost of importing a car to Kenya is never just the auction price. From taxes to delays, every step introduces possible expenses.

At Code & Clutch, our mission is to empower you with transparency, tools, and trusted contacts—so you can drive with confidence and not regret.

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Welcome to Code & Clutch

CODE AND CLUTCH

Code and Clutch — Cars & Technology

About Code and Clutch

Code and Clutch is Nairobi's modern hybrid: we combine hands-on automotive expertise with web and AI technology. We help drivers find reliable imported vehicles and help dealerships scale with tailored digital products. From sourcing and inspection to financing and delivery — we handle the end-to-end journey so our customers can focus on driving.

Our Promise

We believe in transparency, integrity and measurable results. Every car we sell is checked, documented, and presented with clear pricing. Every tech project we deliver is focused on lead growth and ROI for dealers.

What we deliver

  • Comprehensive vehicle inspection reports with photos & service history
  • Trade-in assessments and fair market pricing
  • Bank & asset-backed finance facilitation for buyers
  • Websites, chatbots and inventory systems for dealerships
  • Local delivery, registration support and after-sales service

Why Choose Us

We blend automotive trust with modern technology — giving you verified cars, structured finance, and online tools to speed up sales.

  • Proven import channels and inspection partners
  • Clear documentation and handover process
  • Technology-first approach to customer experience
  • Local teams across major counties for fast delivery

Our Mission & Vision

Mission: Make car ownership simple, transparent and affordable — while empowering Kenyan dealerships with practical technology.
Vision: To be East Africa’s leading auto-tech hub where verified vehicles and AI-driven sales tools create better outcomes for buyers and sellers.

Services We Offer

Automotive services plus technology solutions — built to serve buyers, dealers and small auto businesses across Kenya.

๐Ÿš˜ Car Dealership & Imports

We source, inspect and import premium used vehicles (with a focus on German and Japanese models). Our process includes pre-export checks, shipping, clearance and a Kenyan inspection at handover.

  • Car Sale: Verified used cars with condition reports
  • Car Import: Sourcing, inspection & clearance
  • Trade-In: Fast valuation and part-exchange options
  • Delivery: County delivery and registration assistance

๐Ÿ’ป Technology & AI for Dealers

From responsive dealer websites to AI chatbots and inventory CMS — we deliver tools focused on lead capture and conversion.

  • Web Development: SEO-friendly, mobile-first dealer sites
  • Chatbots: 24/7 triage and appointment booking with WhatsApp integration
  • Inventory CMS: Easy listing management and quick-share links
  • Automation: Pricing tools, leads-to-CRM flows, and analytics

Financing & Purchase Options

We partner with local banks and asset-financiers to provide tailored repayment terms. Below are typical plans we arrange — exact terms depend on bank approvals and vehicle age.

Starter Plan
Suitable for entry-level used cars. Typical deposit: 15–25% • Term: 12–36 months • Quick approval assistance
Standard Auto Loan
For private buyers with full documentation. Deposit: 20–30% • Term: 24–60 months • Bank facilitation included
Business & Fleet
Asset-backed lending for SMEs and dealers. Flexible terms, bulk purchase support and fleet servicing packages.

Customer Promise

We commit to:

  • Honest vehicle histories and full inspection evidence
  • Transparent pricing and no hidden fees
  • Clear finance guidance and timely delivery
  • Local support after purchase — maintenance referrals and parts

Frequently Asked Questions

Do you provide warranty?
We offer limited warranties on some cars and can arrange extended warranties through partners. Details are provided per listing.
How long does import take?
Typical import timelines are 6–12 weeks depending on shipping schedules and clearance. We provide updates during each stage.
Can I test-drive before purchase?
Yes — book an inspection and test-drive via our booking form or WhatsApp. We can also arrange county demos.

What Our Clients Say

Real feedback from customers who've used our import, finance and tech services.

Grace W
Grace W. — Nairobi

“Buying my BMW felt safe and clear. Code and Clutch walked me through inspection, paperwork and finance — I drove home happy.”

BMW 320i • Full inspection & bank-finance support
Aisha M
Aisha M. — Mombasa

“They handled my import end-to-end and built a chatbot for my business. Reliable service and great tech.”

Import + Chatbot • Dealer lead automation
Ruth K
Ruth K. — Kisumu

“I traded in my old car and upgraded quickly. Transparent valuation and friendly staff.”

Trade-in • Quick uplift

Location & Hours

Visit Us

Along Ngong Road — next to Nexus Car Wash

Hours: 8:00 AM — 5:00 PM (Monday — Sunday)

Walk-ins welcome by appointment. We also offer remote valuation and county delivery.

Book an Appointment & Test Drive

Fill the quick form below — it opens WhatsApp with a prefilled message to our bookings number (0717423659). Mention the vehicle or service you need and your preferred county.

Ready to Drive Smarter or Build Next-Gen Tech?

Book an inspection, arrange financing, or hire our technology team — we serve both drivers and businesses across Kenya.

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Code and Clutch — Where Cars Meet Code
Ngong Road (Next to Nexus Car Wash) • Phone: 0717423659
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Code and Clutch

Where cars meet technology. Offering car sales, trade-in, imports, AI development, training, web design & development. Open Mon–Sun, 8 AM – 6 PM. Located along Ngong Road, next to Nexus Car Wash.

Contact us on WhatsApp: 0717423659

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