Motor, medical, life, travel, home, personal accident, agriculture, business, and education insurance policies are available in Kenya.

An insurance premium is the amount you pay—monthly, quarterly, or annually—to keep your insurance policy active.

Excess is the portion of a loss that you pay out of pocket before the insurer settles the remaining amount.

You will need a National ID or Passport, KRA PIN, a completed application form, and any product-specific documents required by the insurer.

Motor insurance options include Third-Party Only (TPO), Comprehensive cover, and COMESA cover.

Yes. By law, all motor vehicles must at least have Third-Party Only (TPO) insurance.

Medical insurance may cover inpatient, outpatient, dental, optical, maternity services, and medical evacuation depending on the policy.

A waiting period is the time after policy activation during which certain benefits—such as maternity, pre-existing, congenital, or chronic conditions—cannot be claimed.

Yes, pre-existing conditions may be covered subject to waiting periods. Corporate and SME covers often have no waiting periods.

Life insurance options include term life, whole life, education/endowment plans, and investment-linked policies.

Yes. Cancelling before 3 years results in loss of all contributions. After 36 months, you may receive a surrender value, which is lower than the total premiums paid.

Home insurance covers building damage, household contents, theft, fire, floods, and personal liability.

Common business covers include fire, burglary, WIBA, employer liability, professional indemnity, cyber risk insurance, goods in transit, carriers liability, and all-risks insurance.

Travel insurance covers medical emergencies, lost baggage, trip delays, and flight accidents. It is often required for visa applications.

Claims may be delayed due to missing documentation. Claims may be declined if they are fraudulent or below the payable excess amount.

Motor claims can be voided due to drunk driving, use of an unlicensed driver, fraud or misrepresentation, delayed reporting, unauthorized vehicle use, or driving without a valid or provisional license.