Abstract:
There has been a high population growth in Kenya in recent years which has resulted
in increase in number of vehicles to facilitate movement. However, as the vehicles
increases, road accidents also increase, this is due to reckless driving, poor unroadworthy
and
uninsured
vehicles
which
continue
to
operate
in
Kenyan
roads.
It
is
a
legal
requirement
that
every
vehicle
and
motorcycle
operating
in
Kenyan
roads
be
insured
but
this
is
not
always
the
case
as
some
of
the
motorists
drive
uninsured
and
uninspected
vehicles.
Insurance
companies
and
NTSA
are
responsible
for
offering
insurance
premiums and inspecting vehicles in the country respectively. Despite
being given crucial role of offering quality affordable insurance premiums to all
people, our country insurance industry is facing stiff competition and unethical
business practices by some insurance providers to attract more customers. This has
led to insolvent of insurance companies as they cannot afford to maintain their daily
operations. Apart from insurance companies being insolvent, the alarming increase
in number of accidents in the country calls for an action to solve and curb this
problem. Cheap insurance telematics and motor fleet management system is a webbased
application that calculates insurance premiums cover based on driver
geographical location attributes of vehicle’s area of operation, distance vehicle has
been driven per month, time of trip in a day, driver’s experience and age among
other attributes. This system has been developed using waterfall methodology and
consists of three (3) main modules: user-customer module, administrator-insurance
company module and android speedometer module to measure vehicle’s speed and
monitor its location This system provides solution to poor record keeping of vehicles
inspection, tracking of vehicles to prevent theft and terrorism, tracking of uninsured
vehicles which still operate in Kenyan roads, cheap affordable insurance premiums
to all Kenyans, risk premium charges based on real risk associated with it rather than
the conventional method been used today this will make insurance companies be
more competitive, increase their profit, reduce road accidents and improve efficiency
in motor fleet management
