• By Raymond Momanyi

The Ultimate Guide to Insurance in Kenya (2025): Compare, Buy & Save with Imana/MyKava

Car, medical, WIBA, home, travel, COMESA & more. Compare quotes, buy online, get help with claims. Nairobi & Kenya-wide.
 
 
Why trust us: Imana Insurance Agency Kenya Ltd & MyKava Online Insurance Shop — licensed intermediary, multi-insurer marketplace, fast quotes, real human claims support.
 

Nairobi & Kenya: We Serve You Where You Are

From CBD to suburbs, we’ve got you. We cover Nairobi estates including Westlands, Parklands, Highridge, Spring Valley, Loresho, Kileleshwa, Kilimani, Lavington, Hurlingham, Riverside, Muthangari, Karen, Lang’ata, South B, South C, Nyayo Estate Embakasi, Donholm, Fedha, Tassia, Pipeline, Utawala, Ruai, Mihango, Buruburu, Umoja, Komarock, Kayole, Dandora, Kariobangi, Huruma, Pangani, Ngara, Eastleigh, Kahawa, Kahawa West, Githurai, Zimmerman, Roysambu, Thome, Runda, Gigiri, Muthaiga, Garden Estate, Edenvale, Kasarani, Clay City, Sunton, TRM area, Ngong Road, Adams, Dagoretti, Riruta, Waithaka, Kawangware, Kikuyu, Kangemi, Mountain View, Uthiru, Lavington Green, Loresho Ridge, Kitusuru, Ruaka (border), Two Rivers area, Syokimau, Mlolongo, Athi River, Rongai, Kiserian, Ngong—and beyond. If you’re in KE, we’re a tap away.
 

How to Buy Insurance Online (Fast) 

1. Share basics: product, names, ID/KRA where needed, plus risk details (e.g., car value/YOM, family size for medical).
2. Compare quotes: we fetch multiple insurer options, benefits & add-ons.
3. Pay securely: M-Pesa Lipa na M-Pesa Paybill 7596117 (Account: YOUR NAME).
4. Instant docs: we issue e-certificates/policies; for motor, get your e-sticker fast.
5. Real claims support: police abstract/DOSh forms guidance, panel garages/hospitals, follow-through.

WhatsApp/call: +254 796 209 402 | +254 745 218 460 • Web: imana.co.ke | mykava.co.ke 
 

Motor Insurance Kenya (Private, Commercial, PSV, Motorcycle, Tuktuk) 

• Third-Party Only (TPO): legally required; covers third-party injury/property.
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• Third-Party, Fire & Theft (TPFT): TPO + fire/theft.
• Comprehensive: your car + third-party + add-ons (windscreen, radio, floods, political violence & terrorism, excess protector, loss of use, PVT, valuation, courtesy car).
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PSV Taxi / Ride-hailing (Uber/Bolt/Little): annual and one-month options, passenger liability, territory options.

 Motorcycle (Private/Commercial/PSV Boda): helmets/PPE, rider PA, third-party, theft.
Claims tip: Abstract → inspection → assessment → pay excess (or use excess protector) → repair/settlement. 
 

Medical/Health Insurance (Individual, Family, SME, Corporate) 

• Inpatient/Outpatient, maternity, dental, optical, chronic/prehospital, last expense add-on.
• Micro-health & SME group plans with flexible limits.
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WIBA, GPA & Group Life (Employers & Teams) 

• WIBA (mandatory): compensates workplace injury, disability, death; WIBA Plus (24/7).
• GPA: accidental death/disablement/medical reimbursement for staff on/off duty.
• Group Life: lump sum to beneficiaries.
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Home & Domestic Package (House, Contents & All Risks) 

• Fire, theft, electronics & smartphones (All Risks), liability to domestic staff, floods/storms.
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Travel Insurance (Schengen, UK, USA, UAE, Africa) 

• Emergency medical, trip cancellation/curtailment, baggage loss, passport loss, personal liability, evacuation.
• COMESA cross-border by car? See Yellow Card below.
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COMESA Yellow Card (Drive Across East Africa) 

• Valid liability cover across participating countries (e.g., Uganda, Tanzania, Rwanda, DRC).
• Pair with your comprehensive Kenya motor cover for full protection.
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SME/Corporate: Assets, Liability & Logistics 

• Goods in Transit (GIT) & Marine: import/export cargo, general cartage vs own goods, carriers’ liability.
• Fire & Perils / Industrial All Risks: buildings, stock, machinery.
• Burglary, Money, Fidelity Guarantee: theft, cash in transit, employee fraud.
• Professional Indemnity (PI) & D&O: consultants, medics, engineers, IT, finance, boards.
• Cyber & Data Breach: ransomware, privacy liability, incident response.
• Engineering / Contractors All Risks (CAR) / Plant & Machinery: projects & equipment.
• Bonds: performance, bid, customs, court.
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Agriculture & Climate 

• Crop/Livestock and emerging parametric covers for drought/excess rain using weather indices.
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Political Violence & Terrorism (PVT) 

• Add-on for motor, property, SME; protects against riots, strikes, civil commotion, terrorism where covered.
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Personal Accident & Last Expense 

• 24/7 accident cover for individuals/families; last expense for dignified send-off.
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Pricing? Fast Quotes Beat Guesswork

 
Rates vary by risk profile, sum insured, driver age/claims history, limits, and add-ons. We’ll compare multiple insurers so you don’t overpay.

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Claims: What To Do (Simple) 

1. Stay safe & document (photos, contacts, police abstract/DOSh where relevant).
2. Call us: we guide you to panel providers and handle forms.
3. Assessment & approval: we chase; you breathe.
4. Repair/settlement: use add-ons (excess protector, loss of use) where applicable.

Why Imana/MyKava 

• Multi-insurer marketplace: unbiased comparisons.
• Fast issuance: digital certs & policies.
• Human claims support: we escalate and update.
• Local to Nairobi, national to Kenya, regional to EAC.

Call/WhatsApp: +254 796 209 402 | +254 745 218 460
Web: imana.co.ke | mykava.co.ke
Paybill: 7596117 (Account: YOUR NAME) 
 

FAQs

 
Which insurance is compulsory in Kenya?
Motor TPO for vehicles; WIBA for employees (employers).

Comprehensive vs Third-Party?
TPO protects others; Comprehensive protects you + others + add-ons.

Do you cover all Nairobi estates?
Yes—see list above; we also support Kenya-wide and COMESA routes.

How fast is the certificate?
Often same-hour after payment & KYC.  
 

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