• By Raymond Momanyi

Common Insurance Policies in Kenya and Their Applicability

Insurance in Kenya is more than just a requirement — it’s your safety net when life takes unexpected turns. Whether it’s surviving Nairobi traffic, running an SME in Mombasa, or planning a holiday abroad, the right cover keeps you secure. Here are the most common insurance policies in Kenya and how they work for you.

1. Motor Insurance in Kenya

Every vehicle on Kenyan roads must be insured. The main classes are:

• Third-Party Only (TPO): Budget-friendly, covers damage or injury caused to third parties.
• Third-Party, Fire & Theft (TPFT): Adds protection against fire and theft of your car.
• Comprehensive Cover: Full protection for your vehicle, third parties, passengers, and natural perils.
  ➡️ Ideal for private cars, commercial vehicles, boda bodas, and PSV taxis.

2. Medical Insurance

Hospital bills in Kenya can easily drain your savings. Medical cover protects against inpatient, outpatient, maternity, dental, and optical expenses. Families, SMEs, and corporates can tailor plans to fit their needs.

3. Travel Insurance

From business trips to leisure holidays, travel cover protects you against medical emergencies, lost luggage, flight delays, or accidents abroad. Often required for visa processing.

4. Personal Accident Insurance

Covers injury, disability, or death from accidents. Affordable and suitable for individuals, employees, or students.

5. WIBA Insurance (Work Injury Benefits Act)

Mandatory for employers in Kenya. Covers employees injured at work — including medical expenses, compensation, and income replacement.

6. Professional Indemnity Insurance

Protects professionals (doctors, engineers, lawyers, consultants, etc.) against claims of negligence, errors, or omissions. In some professions, it’s a legal requirement.

7. All Risk Insurance

Protects portable valuables like laptops, jewelry, and electronics — even outside your home.

8. Fire and Perils Insurance

Shields property against fire, lightning, and explosions. Essential for homeowners, landlords, and businesses.

9. Burglary Insurance

Covers losses from theft through forcible or violent entry. Critical for shops, offices, and homeowners.

10. SME Insurance

Tailor-made for small and medium businesses. Covers fire, burglary, liability, stock, and employees — all in one affordable package.

11. Micro Health Insurance

Affordable health cover for low-income earners and families. Premiums start from Ksh 8,000–20,000 annually. Ensures you don’t skip treatment due to cost.

Why Work with Imana Insurance & MyKava?

We partner with trusted insurers in Kenya and East Africa to give you affordable, reliable, and fast insurance solutions.

📍 Office: 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi, Kenya
🌐 Websites: www.imana.co.ke | www.mykava.co.ke

💬 WhatsApp Us: +254 745 218 460 | +254 113 619 635 | +254 113 806 810
💳 M-Pesa Paybill: 7596117 (Use your Car Registration as the Account Number)

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