• By Raymond Momanyi

The Ultimate Insurance Q&A in Kenya (2025 Edition) — Answered by Imana Insurance Experts

From car and medical insurance to travel, WIBA, home, and business covers — here are the most asked insurance questions in Kenya, answered by the experts at Imana Insurance Agency Kenya Ltd.
   

MOTOR INSURANCE — Private, Commercial, PSV & Motorcycles

 
Q1. What is the difference between Comprehensive and Third-Party Only (TPO) insurance in Kenya?
A: 

• Comprehensive Cover protects your vehicle and other people’s lives and property. It includes theft, fire, vandalism, riots, and floods.
• Third-Party Only (TPO) only covers injuries or property damage you cause to others.
  👉 Imana’s Tip: Comprehensive is ideal for cars above KSh 500,000 value or financed vehicles. TPO suits budget and older vehicles.

 
Q2. How much does car insurance cost in Kenya?
A: 

• Private car (TPO): From KSh 4,560 per year
• Commercial(TPO): From Ksh 5,063 per year
• PSV taxi (TPO): From KSh 7,574 per year
• Comprehensive: 3–5% of car value (from KSh 25,000+)
  👉 Imana helps compare rates from top insurers instantly.

 
Q3. What happens if I’m involved in an accident?
A:

•  Stop the car, secure the scene. 
• Call the police (get abstract). 
• Notify your insurer/agent within 24 hours.
• Take photos and witness contacts.
   👉 Imana will assist you in lodging claims, coordinating assessors, and following up with underwriters.

 
Q4. Do I get a courtesy car while mine is being repaired?
A: Some insurers offer it as an optional add-on — ask your agent to include a Courtesy Car Benefit when buying comprehensive cover.


Q5. What’s COMESA Yellow Card Insurance?
A:
It’s a regional motor insurance valid across 13+ African countries (Uganda, Tanzania, Rwanda, DRC, Malawi, etc.).
It extends your Kenyan third-party cover when driving across borders.
👉 Imana issues it within 30 minutes — all digital.
 

MEDICAL INSURANCE — Individuals, Families, SMEs, and Corporates

 
Q6. What is covered under medical insurance in Kenya?
A: Most covers include:
 

• Inpatient (hospitalization)
• Outpatient (clinic visits)
• Dental & Optical
• Maternity, Evacuation, Chronic illnesses (optional)
  👉 Plans start from as low as KSh 10,000 per year.

 
Q7. What documents do I need to apply for medical cover?
A: 

• Copy of ID / Birth Certificate (for dependents)
• KRA PIN
• Passport photo
• Payment via Mpesa Paybill 7596117, use ID number as account name

 
Q8. Does SHA/SHIF (Social Health Authority) replace private medical insurance?
A: No. SHA is the government’s social health cover, but private medical insurance offers more hospital options, faster service, and higher limits.
👉 Imana’s advice: Keep both — SHA for basics, private for top-up.


Q9. Can I pay my medical cover in instalments?
A: Yes! Most insurers accept quarterly or semi-annual payments.
👉 Imana helps you access flexible premium financing options.


Q10. What happens if I’m admitted or visit a hospital not on my insurer’s list?
A: You’ll pay cash and seek reimbursement later. Always confirm the hospital network before treatment.

WIBA, GPA, & EMPLOYER LIABILITY

 
Q11. What is WIBA Insurance?
A: Work Injury Benefits Act (WIBA) insurance compensates employees injured or who die while on duty. It’s mandatory for all employers in Kenya.


Q12. What’s the difference between WIBA and GPA?
A: 

• WIBA: Covers injuries at work.
• GPA (Group Personal Accident): Covers injuries anywhere, anytime.
  👉 Most employers combine both — Imana can package them affordably.

 
Q13. How is compensation calculated under WIBA?
A: Based on employee’s salary, medical expenses, and disability percentage — guided by the Ministry of Labour schedule.


Q14. Do I need Employer’s Liability if I already have WIBA?
A: Yes. WIBA covers statutory benefits, while Employer’s Liability protects you from lawsuits filed by injured staff.
 

BUSINESS INSURANCE — SMEs, Shops, Factories & Offices

 
Q15. What types of business insurance do SMEs need in Kenya?
A: 

• Fire & Burglary
• Goods in Transit
• WIBA & GPA
• Public Liability
• Fidelity Guarantee
   👉 Imana offers bundled SME policies starting from KSh 15,000/year.

 
Q16. What is Fire Insurance?
A:
Protects your building, machinery, and stock from fire, explosion, or lightning.
Optional extensions include Riots, Strikes, and Political Violence.


Q17. What is Fidelity Guarantee Insurance?
A:
Covers financial losses caused by dishonest employees — common in offices and Saccos.


Q18. Does my business insurance cover floods or riots?
A:
Only if you have extensions added.
👉 Imana always recommends adding “Riot, Strike, and Flood” clauses.
 

TRAVEL INSURANCE — Local, Regional, and International

 
Q19. Is travel insurance mandatory for visa applications?
A:
Yes, for Schengen, UK, Canada, and UAE visas.
It covers medical emergencies, trip cancellations, and lost luggage abroad.


Q20. How long does it take to get travel insurance?
A:
Under 30 minutes. Imana issues embassy-compliant certificates instantly via WhatsApp or email.


Q21. Does travel insurance cover COVID-19 or pandemics?
A:
Yes — most international covers now include COVID-19 medical expenses and trip interruption.
 

HOME INSURANCE — Fire, Theft & Domestic Packages

 
Q22. What is covered under Home Insurance?
A: 

• The building (against fire, flood, earthquake)
• Household contents (theft, damage)
• Domestic employees (medical and injury)
   👉 Imana offers “Home Protect” packages for as low as KSh 5,000/year.

 
Q23. Can I insure my electronics and appliances separately?
A:
Yes, under the All Risks section — for items like phones, laptops, jewelry, cameras.


Q24. Does home insurance cover tenants or only homeowners?
A:
Both. Tenants can insure contents, while landlords insure buildings.
 

ENGINEERING, MARINE & SPECIALIZED COVERS

 
Q25. What is Contractors All Risk (CAR) Insurance?
A:
Protects ongoing construction projects against accidental damage, fire, theft, or third-party injury during works.


Q26. What is Marine Cargo Insurance?
A:
Covers imported or exported goods while in transit by sea, air, or road.
👉 Mandatory for importers per Kenya’s Marine Insurance Act.


Q27. What is Professional Indemnity (PI)?
A:
Covers professionals (doctors, engineers, lawyers, consultants) against lawsuits for professional negligence or errors.
 

GOODS IN TRANSIT (GIT)

 
Q28. What does GIT cover?
A:
Loss or damage to goods while being transported by your vehicle or a third-party transporter.
Covers fire, theft, accident, or overturning.


Q29. Who needs it?
A:
Manufacturers, distributors, logistics companies, or any business moving goods across Kenya.


Q30. Can GIT cover cross-border deliveries?
A:
Yes. Add a COMESA regional extension to cover Uganda, Tanzania, and Rwanda routes.
 

GENERAL INSURANCE QUESTIONS

 
Q31. Why should I buy insurance through an intermediary like Imana?
A:
Because agents know the market. Imana compares quotes across top insurers, ensures correct policy wording, and follows up your claims till payment.


Q32. How do I confirm if my insurance is genuine?
A:
Check the insurer’s name via the IRA (Insurance Regulatory Authority) portal or call your intermediary (Imana will verify within minutes).


Q33. What’s an Excess Protector?
A:
It’s an add-on that ensures you don’t pay the first portion (“excess”) of a claim.
Highly recommended for all vehicle covers.


Q34. Can I cancel my policy mid-term?
A:
Yes, with written notice. You may get a refund for unused months — subject to insurer terms.


Q35. How can I contact Imana for a quotation?
A:
👉 Simple!
🌐 Visit www.imana.co.ke or www.mykava.co.ke
📞 Call/WhatsApp 0113619635 / 0745218460 / 0113806810 / 0796209402
🏢 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
 
 

Insurance Wisdom — Insurance Doesn’t Have to Be Confusing

 
Whether you’re insuring a boda, a business, or your family’s health — Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Consultants have simplified the journey.
Compare, buy, and claim without stress — because Imana knows insurance, and we care about your peace of mind.
  

insurance Kenya, best insurance Kenya, motor insurance questions, medical insurance FAQs, travel insurance Kenya, WIBA insurance Kenya, SME insurance, Imana Insurance, MyKava Online 

 
#InsuranceKenya #ImanaInsurance #MyKavaOnline #KenyaCovers #InsuranceFAQ #CarInsuranceKenya #MedicalInsuranceKenya #TravelInsurance #SMEInsurance #WIBACover