FAQ's

Motor Insurance

• What types of car insurance are available in Kenya? There are generally two types: third-party and comprehensive.  
   
• Is car insurance mandatory in Kenya? Yes, third-party insurance is legally required.  
   
• How do I make an insurance claim? You will need to report any loss or damage to the insurance company in time and ensure that you submit all the necessary documents requested by your insurance company. You are required to co-operate with the insurance company to facilitate the smooth handling of the claim.  
   

   
• Can I sell my vehicle together with its insurance cover? No. motor Insurance policies are not transferable because they are personal in nature.  
   
• Does Motor Vehicle Comprehensive policy cover the driver and/or the owner? No. As the name suggests, Motor Vehicle Comprehensive policy only protects damage or loss to the motor vehicle and any claim made by the third parties.  
   

Health Insurance

• Will I be covered for any illnesses or injuries which I have prior to joining the relevant medical scheme? Most insurance companies exclude cover for all pre-existing conditions during the first two years of membership.  
   
• Is there a limit to the amount I can claim? Claims are generally payable up to the annual maximum limit as specified in your policy schedule.
• How do I make a claim? Depending on the type of treatment which is required, claim procedures will differ
• What hospital or Doctor/Medical practitioner can I use? An insured is free to use a Hospital or Doctor/Medical practitioner of their choice provided adequate and suitable treatment can be provided.  
   
• Is there a waiting period before I am covered? Most international insurers commence cover soon as your application is received by them.

Home Insurance

• What is home insurance, and what does it cover in Kenya? Home insurance is a policy that protects your home and belongings from damage or loss caused by various unforeseen events such as fire, theft, natural disasters, and liability.  
   

   
• Why do I need home insurance? Home insurance is essential to protect your home and personal belongings from unexpected damages or loss.  
   
• What are the types of home insurance policies available? The most common types of home insurance policies are building insurance, contents insurance, and combined building and contents insurance.
• How much does home insurance cost? The cost of home insurance varies depending on various factors such as the type of policy, the location of your home, and the value of your home.  
   

   
• What is the process for making a home insurance claim? To make a home insurance claim, you need to inform your insurance provider immediately about the incident and provide them with the necessary details and documentation.  
   

Personal Accident Insurance

• What does the Accidental Death Benefit cover? Our Accidental Death Benefit offers a lump sum payment between Kes. 100,000 to Kes. 10,000,000 to designated beneficiaries in case of accidental death.  
   
• What types of disabilities are covered? Our policy covers permanent and temporary disabilities, including permanent total disablement, permanent partial disablement, and temporary total disablement caused by accidents.  
   
• What medical expenses are covered? We cover necessary medical treatment and hospitalization expenses resulting from accidents, alleviating financial burdens.  
   
• Can I include my family members under this policy? Yes, you can extend coverage to your spouse and children, offering protection for your entire family.