Protection
You Can Count On

You'll typically need your vehicle logbook (registration certificate), a copy of your national ID or passport, your driver's licence, and your KRA PIN. For commercial vehicles, additional documents such as a PSV licence may be required.

Third-party cover is the legal minimum — it pays for damage or injury you cause to others but not your own vehicle. Comprehensive cover also protects your own vehicle against accident, fire, and theft, making it the better option for newer or higher-value cars.

We are proud to offer some of the most competitive limits of insurance available in the Kenyan motor market. While many providers cap third-party bodily injury and property damage liability at the statutory minimum, we work with insurers who offer significantly higher limits — giving our clients meaningfully stronger protection in the event of a serious accident or claim. Speak to us to understand exactly what limits your current policy carries and whether they are adequate for your needs.

Yes, in many cases. Insurers assess risk individually, and some conditions may result in a loading (higher premium) rather than outright exclusion. We'll present your case to multiple underwriters to find the most competitive and fair terms available to you.

Term life covers you for a fixed period (e.g. 10 or 20 years) and pays out only if you die within that term — it is generally more affordable and straightforward. Whole life cover lasts for your entire lifetime and is guaranteed to pay out, often with a savings or investment component that builds cash value over time. The right choice depends on your goals, budget and family circumstances — we'll help you compare options.

Your pension contributions belong to you. If you change employers, your accumulated benefits can be transferred to a new scheme, preserved in your current fund, or moved to a personal pension plan. We can advise you on the most tax-efficient option for your circumstances.

Standard WIBA (Work Injury Benefits Act) cover compensates employees for injuries, illness or death that occur during working hours, as required by Kenyan law. WIBA Plus is an enhanced version that extends this cover to 24 hours a day, 7 days a week — meaning employees are protected even outside of work. For businesses with employees who travel or work irregular hours, WIBA Plus offers significantly broader protection.

A golfers policy typically covers loss or damage to your golf equipment (clubs, bags and accessories), personal liability to third parties while on the course, and in some cases personal accident cover while playing. It is a specialist policy designed specifically for golfers and is available for individuals as well as golf club members.

Yes. Political violence and terrorism (PVT) cover is available to businesses of all sizes in Kenya and is particularly relevant for those in high-footfall locations, urban centres or sectors exposed to civil unrest. It covers physical damage to property and, in some cases, business interruption losses arising from a covered event. Given Kenya's history of periodic unrest, this cover is one we strongly recommend reviewing with your broker.

Even when your supplier handles shipping, the risk of loss or damage may transfer to you at a certain point (e.g. when goods leave the warehouse). Having your own marine cargo policy ensures you have direct control over claims and are not dependent on your supplier's insurer.

Marine insurance covers loss or damage to goods and cargo while in transit by sea, road, rail or air. It can also cover the vessel itself (marine hull). Cover typically includes risks such as sinking, fire, theft, collision and jettison, and can be arranged on a single-shipment or open-cover (annual) basis for regular importers and exporters.

Marine cargo specifically covers goods transported by sea (and often extended to air and land legs of an international journey). Goods in transit cover is broader and typically applies to goods being moved domestically by road or rail. If you are importing or exporting internationally, marine cargo is usually the appropriate policy; for local deliveries, goods in transit cover is more common.

Coverage for pre-existing conditions varies by insurer and plan. Some policies offer cover after a waiting period, while others may exclude certain conditions. We work with multiple insurers and can help you find a plan that provides the most appropriate cover for your situation.

Yes. Most medical policies allow you to add a spouse and children as dependants. Corporate group schemes can also be extended to cover employees' immediate families. We'll help you compare family plans to find the best value for your household.

Settlement timelines depend on the type and complexity of the claim. Simple motor claims can be resolved within 7–14 days once all documents are submitted. More complex claims such as fire or liability may take longer. We manage the process on your behalf and keep you updated throughout.

Notify us as soon as possible — do not wait. For motor accidents, file a police abstract within 24 hours. Take photos of the scene and any damage, gather witness contacts if available, and avoid admitting liability. We'll guide you through the next steps from there.

Your property should be insured for its full reinstatement value — the cost to rebuild or replace it at current market rates, not its market selling price. Underinsuring can result in proportional claim reductions. We recommend a professional valuation every few years to keep your cover accurate.

Standard domestic policies cover the structure and general contents. Electronics, jewellery, and high-value items may need to be specifically listed on an 'All Risks' extension for full cover. We'll help you structure your policy so nothing important is left out.

A basic fire policy covers loss or damage caused directly by fire, lightning and explosion. Adding special perils extends this to include risks such as flooding, storm, earthquake, impact damage and burst pipes. For most homes and businesses we recommend taking the special perils extension for more comprehensive protection.

Burglary cover can be added to a domestic policy to protect against loss of contents due to forcible and violent entry into your home. It is not automatically included in a basic fire policy, so it is important to confirm this with us when arranging your cover. High-value items such as jewellery and electronics are best listed separately under an 'All Risks' extension.

Business interruption insurance replaces lost revenue and covers ongoing fixed costs (rent, salaries, loan repayments) during the period your business cannot operate following an insured event such as fire or flood. It bridges the gap to a specified limit until your operations are fully restored.

'All Risks' cover protects specified valuable items against accidental loss or damage in any territory specified in the policy. Despite the name, it is not unlimited — exclusions do apply, and these typically include wear and tear, mechanical or electrical breakdown, and losses arising from negligence or unexplained disappearance. We'll ensure your policy schedule clearly lists what is covered and what is excluded.

A standard property or fire policy covers specific named perils (e.g. fire, theft, flood). An 'All Risks' policy works the other way — it covers everything except what is specifically excluded, offering broader and more flexible protection. It is particularly suited to high-value movable items such as laptops, cameras, jewellery and business equipment that may not be adequately covered under a standard policy.

Contractor's 'All Risk' (CAR) insurance covers construction projects against accidental and unforeseen damage, third-party bodily injury or property damage, and loss of materials during works. It is typically required by project owners as a condition of contract and is relevant to any business involved in construction, civil engineering or renovation works.

Standard machinery breakdown cover pays for the cost of repairing or replacing machinery that suffers sudden and unforeseen physical damage. Loss of revenue or profits resulting from the breakdown is not included by default — but a business interruption extension can be added to your policy to cover this gap, ensuring your income is protected while repairs are carried out.