• By Raymond Momanyi

Insurance in Kenya: Compare, Buy & Save on Motor, Medical, Travel, WIBA & More

Compare insurance quotes across Kenya for car, PSV, medical, travel, WIBA & COMESA Yellow Card covers. Instant quotes, Mpesa Paybill 7596117, WhatsApp 0796209402.
  

The Complete Guide to Insurance in Kenya

 
Life in Kenya moves fast — and so do risks. From Nairobi’s rush-hour jams to Mombasa’s cargo docks, or Kisumu’s business corridors, insurance is the silent engine that keeps everything moving smoothly when life takes a turn.

At Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop, we partner with trusted insurance companies across Kenya and East Africa to help you compare, buy, and save on all insurance products. Whether you drive, run a business, employ workers, or travel — we’ve got you covered.
 

“Don’t find yourself without insurance — talk to us. You can go anywhere; you’re covered by the best in the industry.”

Why Insurance Matters in Kenya

 
Let’s be real — one accident, illness, or theft can throw your finances into chaos. Insurance is your recovery plan. It transfers your risk to an insurer, giving you peace of mind that your health, car, property, or employees are protected.
 
In Kenya, insurance is not just a legal formality — it’s financial security. The Insurance Regulatory Authority (IRA) ensures all providers and intermediaries operate under law, making policies reliable and claims enforceable.
 

1. Motor Insurance in Kenya

a. Private Car Insurance

 
Whether you drive a Toyota Axio or Subaru Forester, you need motor insurance — it’s a legal requirement.
 Two main types exist: 

• Third-Party Only (TPO): Covers damage or injury caused to others. From as low as KSh 4,560 annually.
• Comprehensive Cover: Covers both third-party losses and damage to your own car, theft, fire, and more. From about KSh 25,000 annually.

Optional Add-ons: Excess Protector, Political Violence & Terrorism (PVT), Windscreen, Personal Accident, Loss of Use.
 

Tip: Buy or renew your car insurance online via www.imana.co.ke or www.mykava.co.ke
and get your certificate in 30 minutes.
Pay via M-Pesa: Paybill 7596117, Account: Your Name

b. PSV Taxi / Ride-Hailing Insurance

 
For Uber, Bolt, or Little Cab drivers — your vehicle is your hustle. Get annual or one-month PSV (Taxi/Chauffeur Driven) cover from as low as KSh 2,000 short-term or KSh 7,574 annual. Comprehensive from as low as Ksh.30,000
 
Covers: 

• Third-party liability
• Passenger injury/death
• Property damage
• Add-ons like COMESA and PVT

c. Motorcycle (Boda Boda) & Tuktuk Insurance

 
Affordable protection for riders, delivery fleets, and boda operators. 

• Third-Party Only: From about KSh 1,000 per month
• Comprehensive: Protects your bike/tuktuk against theft, fire, and accidental damage
• Add-ons: Passenger accident, accessories, excess protector

d. Commercial Vehicle Insurance

 
For pickups, canters, lorries, and company fleets — essential for logistics, manufacturing, and SMEs.
 Options: Own Goods, General Cartage, Carrier’s Liability, or Goods in Transit add-ons. 
 

2. Medical Insurance in Kenya

 
When illness strikes, your finances shouldn’t collapse. Imana helps individuals, families, SMEs, and corporates get affordable medical cover from top insurers like AAR, APA, Jubilee, Pacis, Britam, and First Assurance.

Plans available: 

• Individual & Family Medical Cover
• Corporate Group Health
• SME Micro Health
• Senior Citizens Cover
• NHIF + Private Co-Sharing Packages
• Inpatient, Outpatient, Dental, Optical & Maternity benefits

From as low as KSh 10,000 per year.
You can pay in instalments (Lipa Pole Pole) via M-Pesa. 
 

3. Travel Insurance

 
Heading abroad for work, study, or holiday? Protect your trip.
Travel Insurance covers: 

• Emergency medical expenses
• Lost or delayed baggage
• Trip cancellation/interruption
• Repatriation
• Personal accident and liability

Buy online in minutes — ideal for visa applications and regional travel. 
 

4. WIBA and GPA (Work Injury Benefits Act & Group Personal Accident)

 
If you employ staff in Kenya, WIBA Insurance is mandatory. It covers injury, disability, or death while on duty. 

• Covers medical bills, temporary/permanent disability, funeral costs
• Add GPA (24-hour worldwide cover) for off-duty protection
• Ideal for companies, schools, NGOs, factories, and construction sites

Filing a claim? Imana guides you through DOSH forms, medical reports, and Ministry of Labour requirements. 
 

5. COMESA Yellow Card

 
Driving to Uganda, Tanzania, Rwanda, or DRC?
You need a COMESA Yellow Card — a regional insurance policy recognized across East and Central Africa.
 
It covers: 

• Third-party bodily injury and property damage in participating countries
• Accidents abroad
• Certificate verification at border points

Add it easily to your motor comprehensive or PSV policy from about KSh 3,000–8,900. 
 

6. SME, Corporate & Specialized Covers

 
Businesses face risks every day — protect your assets and employees.
We arrange policies for: 

• Group Life Insurance
• Professional Indemnity (PI) – for lawyers, engineers, doctors, consultants
• Contractors All Risk (CAR) – for construction projects
• Fire & Perils, Theft, Political Violence, Marine, and Cyber Insurance

We also help SMEs get WIBA, Medical, and Motor Fleet policies with flexible instalment options. 
 

7. How to Buy Insurance Online in Kenya

 
Buying insurance is now as simple as texting your details.
Steps: 

1. WhatsApp 0113619635 / 0745218460 / 0113806810 / 0796209402
2. Share your details (vehicle make/model, value, or cover type needed)
3. Get multiple quotations for comparison
4. Pay via M-Pesa Paybill 7596117, Account: Your Name
5. Receive your certificate on WhatsApp or email in under 30 minutes

Imana is a licensed insurance intermediary recognized by IRA and awarded “Outstanding Insurance Consulting Company of the Year 2024 & 2025.”

8. Filing an Insurance Claim in Kenya (Quick Guide)

 
When things go wrong, Imana walks with you step by step: 

• Report to police (get abstract)
• Notify your insurer/intermediary immediately
• Provide claim form, photos, valuation, medical reports
• Follow assessment and approval steps
• Claim processed and settled per policy terms

We handle motor, medical, WIBA, GPA, and COMESA claims on your behalf — with real-time support. 
 

9. Why Choose Imana & MyKava

 
✅ Compare quotes from multiple insurers
 ✅ Transparent pricing (no hidden fees)
 ✅ Fast certificate issuance
 ✅ Online + in-person support
 ✅ Award-winning customer service
 ✅ Claims management & follow-up
 ✅ Based in Westlands, Nairobi – 4th Floor, Krishna Centre, Woodvale Grove 
 

10. Frequently Asked Questions (FAQs)

 
Q1: How much is car insurance in Kenya?
A: From around KSh 4,560 (third-party) or KSh 25,000 (comprehensive). PSV taxis and motorcycles vary by make, model, year and value.*

Q2: What documents do I need to buy car insurance?
A: Logbook copy, ID, KRA Pin, and Payment confirmation.*

Q3: How long does it take to get my insurance certificate?
A: Within 30 minutes once payment is confirmed.*

Q4: What is an excess protector?
A: An add-on that saves you from paying part of repair costs in case of an accident.*

Q5: Can I pay for insurance in instalments?
A: Yes — via M-Pesa, monthly or quarterly.*

Q6: What’s covered under COMESA Yellow Card?
A: Third-party liability in participating countries across East & Central Africa.*

Q7: Do you assist with claims?
A: Yes — we handle all paperwork, follow-up, and guidance.* 
 

Compare, Buy & Save Today

 
Whether it’s your car, your health, your business, or your next trip — Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop make protection simple, fast, and affordable.

👉 Visit: www.imana.co.ke | www.mykava.co.ke
📞 Call/WhatsApp: 0113619635 | 0745218460 | 0113806810 / 0796209402
🏢 Location: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
💳 Paybill: 7596117 — Account: Your Name
 

“Compare insurance quotes from our partners before buying. Save money, stay protected, and drive confident — because at Imana, your peace of mind is policy.”

 
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