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.
   

Protect your home against Fire, Burglary and natural calamities which might cause huge financial losses to your family and business.

Chauffer driven/Uber

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Product Catalogue 2025

Personal Lines
I. Motor Insurance
Safeguard your vehicle against unforeseen risks such as third-party claims in respect of
death, injury or property damage; own car damage, theft, fire and other allied perils.
Coverage includes comprehensive and third party covers tailored to meet your needs.
Covers include:
1 Private car insurance - Comprehensive
2 Private car insurance - Third Party Only
3 Motorcycle Insurance

II. Home Insurance – Domestic Package
Protect your home against Fire, Burglary and natural calamities which might cause huge
financial losses to your family and business.

III. Travel Insurance
Travel worldwide without worry by protecting yourself against luggage loss, personal
accidents and delayed flight extra charges. Sign with us today 100% online 24/7

IV. Personal Accident Insurance
Take a cover to ensure that there is compensation in the event of injuries, disability or
death caused solely by, accidental, external and visible events.

V. Individual Pension
Accumulate funds for your retirement years as you take advantage of tax incentives by
establishing an Individual Pension Plan with us.

VI. Investment Plans
We provide savings and investment plans that offer you an opportunity to save, invest, and
accumulate funds for your future.

Available options include:
 Money market funds
 Unit trusts
 Annuities
 Fixed income fund
 Educational policy

VII. Individual Life Insurance
Take an ordinary life insurance cover to ensure that in the event of death, critical illness,
terminal illness, temporary or permanent disability, your loved ones will continue to enjoy
quality life.
Available options include:
 Term life assurance
 Whole life assurance
 Endowment policies

VIII. Individual Health Insurance
Take medical insurance cover to protect yourself and your loved ones. Available covers
include:
 Individual medical cover
 Family medical cover
 Seniors medical cover
 Critical illness cover.

Corporate and SME Lines
Our tailormade insurance solutions will accelerate business growth by giving you peace of
mind. Safeguard your business while maximizing your potential with the following
products:

I. Motor Insurance
Take insurance to cover loss or damage to your business/commercial vehicle(s); including
legal liability to third parties. Covers include:
1 Motor Commercial - Own goods
2 Motor Commercial - General cartage
3 Fleet Insurance

4 Motor Commercial - Third parties
5 Public Service Vehicles Covers
6 Chauffer driven/Uber

II. All Risk Insurance
Take an all-risks insurance to cover for a wide range of perils, except the ones specifically
excluded from the policy. An all-risks insurance may cover property damage; theft and
burglary; fire damage; damage by floods, earthquakes and storms; and loss of business
income.

III. Fidelity Guarantee
 Get maximum protection against loss of money or goods from business premises, through
dishonest/fraudulent acts of employees. With this cover you are guaranteed business
continuity.

IV. Electronic equipment
This policy covers sudden and unforeseen physical damage including breakdown to the
electronic equipment covered under the policy due to any reason not specifically excluded.

V. Money Insurance, Bonds and Credit Insurance
Money insurance policy covers the loss of money in transit between the bank and the office
or between offices. Loss due to theft and attack is covered and can be extended to cover
the loss of money in a safe, in the counter and money with directors. Our bonds products
include performance bonds, bid bonds, fidelity guarantee, and customs bonds. Credit
insurance protects your businesses against the risk of non-payment from customers.

VI. Marine Insurance
This covers goods/cargo, freight and other interests against loss or damage whilst being
transported by sea, air or Inland means. Our comprehensive coverage guarantees you
success in your business.
Classes include:

1 Goods in Transit
2 Carriers’ liability

VII. Fire Industrial
Fire can occur at any given time and often, when you are least prepared. Our fire industrial
insurance cover will ensure you mitigate business losses.

VIII. Burglary
If you are worried about damage or loss to your valuables as a result of forceful or violent
breaking and entering to your property, we got you covered. Take our burglary policy and
have a peace of mind.

IX. Liability Insurance
Liability Insurance cover is critical for businesses and corporate entities who may be held
liable for injuries to third parties and/or damage to third-party property for which they are
legally liable. This also covers professional malpractice.
Classes include:
1 Public liability
2 Product liability
3 Director and officers’ liability
4 Employers’ liability
5 Professional indemnity
6 Hospital malpractice

X. Group Personal accident
This coverage provides compensation in the event of bodily injury sustained by the insured
24 hours worldwide. Best suited for corporates and SMEs.

XI. Corporate Medical

Our coverage is designed for businesses, corporates, and groups from 3 employees and
above. This comprehensive plan ensures that every member of your staff receives the
health support they need to thrive, from routine check-ups to specialized treatments.

XII. WIBA (Work Injury Benefit Act)
Protect your employees whilst on duty and engaged in the execution of your business &/or
any project undertaken by your organization, against accidental bodily injury, disablement
or death.

XIII. Engineering
This policy covers a wide range of engineering related risks related to industrial machinery.
We offer covers on various classes of engineering insurances as follows: 
 Contractor All Risks
 Contractors Plant and Machinery
 Electronic Equipment
 Machinery/Equipment Breakdown
 Machinery Breakdown and Loss of profit
 Boiler policy

XIV. Group Life Insurance
Our coverage compensates the assured due to loss of income occasioned by death or
disability.
Benefits include:

1 Group Life Cover- This is payable in the event of death of the member as a multiple
of Salary or as a fixed amount
2 Last expense cover - This is paid to assist with basic funeral expenses. It is payable
within 48 hours upon lodging claim
3 Critical Illness Cover - The cover is worth 30pc of the selected death benefit payable
in the event of the Member contracting a disease or requiring treatment qualifying
as Critical Illness

4 Permanent and Total disability - This is payable in the event that one becomes
permanently disabled by accident or illness such that the member is never likely to
engage in his occupation again

XV. Corporate pension plan
We offer employers an opportunity to save for their employees’ retirement saving plans to
accumulate funds payable once they attain retirement age.

XIV. Special Classes
 Agriculture insurance: is a specialized type of insurance designed to protect farmers,
ranchers, and agricultural businesses against losses related to crop production,
livestock, and other agricultural activities. Includes Crop Insurance; Livestock
Insurance; Index Based Livestock Insurance;
 Aviation insurance provides coverage for aircraft and their operations, offering
protection for owners, operators, and passengers against various risks associated
with flying. Includes Aircraft Hull Insurance; Passenger Liability Insurance and
Aviation Business Insurance.

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1.Smart Solutions
We leverage industry expertise and technology to design tailored insurance plans that match your unique needs.

 2.Maximum Value
Our focus is on providing coverage that delivers the best possible protection for the most competitive price.

 3.Authentic Relationships
We nurture long-term relationships with our clients, built on honesty, transparency, and trust.

 4.Reliability
Count on us to be there when you need us most — before, during, and after your insurance journey.

 5.Timely Support
We respond fast, because we know that in insurance, timing is everything.