• By Raymond Momanyi

How Do You File a Theft Claim in Kenya? What Exactly Is Needed?

When your car, motorcycle, tuktuk, or even home property gets stolen, the world feels like it’s spinning in slow motion. But insurance companies don’t move on vibes — they move on documents and timelines.

Here’s the real, street-smart guide to filing a theft claim in Kenya and getting compensated without drama.

1️⃣ Step One: Report to the Police IMMEDIATELY

Don’t wait. Don't clean the scene. Don’t “hope it comes back.” Go straight to the nearest police station.

You will receive:

• Police Abstract (essential for the claim)
• Police Statement

These two are the backbone of a theft claim.

2️⃣ Step Two: Notify Your Insurance Intermediary or Insurer

If you’re insured through Imana or MyKava, contact them immediately so they guide you through every step and avoid mistakes that delay claims.

👉 https://imana.co.ke/contact-us

👉 https://imana.co.ke/insurance/motor-insurance

3️⃣ Step Three: Provide the Required Claim Documents

Here’s the full checklist — picture-perfect, insurer-approved:

Mandatory Documents for Motor Theft Claims

• Police Abstract
• Your Written Statement explaining the theft
• Copy of Logbook (or NTSA Search if financed)
• Original Car Keys (all sets)
• Copy of Your National ID
• Copy of Your KRA PIN
• Your Driving Licence
• Duly Filled Claim Form (your insurer or Imana/MyKava will provide this)
• The Last Insurance Certificate / Sticker Copy
• Proof of Ownership
• Recent Photos of the Car (if available)
• Any tracking report (if vehicle had tracker)

 For Motorcycles

• Police abstract
• Logbook copy
• Certificate & sticker copy
• Claim form
• ID & PIN
• Purchase receipt (if logbook is still being processed)
• Keys (if applicable)

For Theft of Home Items (All Risk / Domestic Package)

• Police abstract
• Claim form
• Proof of ownership (receipts, photos, serial numbers)
• ID & PIN
• List of stolen items

4️⃣ Step Four: Insurer Investigations Begin

Once documents are submitted:

• Insurer appoints investigators
• They verify the story, police report, ownership, usage
• If tracking is installed, they analyze the report
• NTSA checks are done
• If financed, insurer contacts the bank

This stage takes 2–6 weeks depending on complexity.

Don't panic — investigations are standard.

5️⃣ Step Five: Waiting Period (Usually 30 Days)

By law and industry practice, insurers wait 30 days to see if the stolen vehicle might be recovered.

If not recovered, the claim moves to settlement.

6️⃣ Step Six: Claim Settlement

If the claim is approved, you get:

• Full insured value (less excess)
  OR
• Agreed settlement amount

If the car is later found, ownership transfers to the insurer since they already compensated you.

VERY IMPORTANT — Situations That Delay or Jeopardize a Claim

Be straight; insurers don’t joke around with these:

• Missing or duplicate keys
• Delayed reporting
• Vehicle used for undeclared commercial or PSV use
• Drunk driving
• Suspicious circumstances
• Incomplete documentation
• Outstanding premiums

This is why filing through Imana or MyKava protects you — they manage the process and close the loopholes.

7️⃣ How Imana & MyKava Make Theft Claims Easier

Because honestly, the process is stressful — and you need a team that moves fast.

With them, you get:

• Help compiling all documents
• Liaison with insurer investigators
• Follow-up until settlement
• Guidance on timelines & rights
• 24/7 WhatsApp support

Useful link for claims:
 👉 https://imana.co.ke/claims-request

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