Compare insurance quotes in Kenya, understand your cover, and buy insurance online from licensed insurers. GetCovered Kenya helps you compare available insurance options for motor, medical, travel, life, WIBA, business, personal accident, home and more.

Buying insurance in Kenya should not mean calling five different insurance companies, filling out the same information repeatedly and choosing a policy simply because it has the lowest premium.

Insurance is a financial contract.

The cheapest quote is not necessarily the policy that provides the protection you actually need.

Two insurance policies can have different premiums because they may differ in:

• Coverage

• Limits

• Exclusions

• Excess

• Deductibles

• Benefits

• Policy conditions

• Insurer

• Risk profile

• Optional extensions

That is why insurance quote comparison matters.

At GetCovered Kenya, you can explore insurance products, compare available quotes and get assistance choosing cover based on your needs.

Compare Insurance Quotes 

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Compare Insurance Quotes Online in Kenya

Whether you need insurance for your car, family, business, employees, home or international trip, the basic process is similar:

Tell us what you need → Compare available options → Understand the cover → Choose your policy → Pay → Receive your policy documents.

Instead of approaching every insurer separately, an insurance intermediary can help you compare available products from different insurers.

The Insurance Regulatory Authority (IRA) publishes lists of licensed insurers and insurance intermediaries in Kenya, making it possible for consumers to verify regulated market participants.

Start your quote

Get an Insurance Quote

Choose the type of insurance you need:

• Car Insurance

• Motorcycle Insurance

• PSV Insurance

• Health Insurance

• Travel Insurance

• Schengen Travel Insurance

• Life Insurance

• Personal Accident Insurance

• WIBA Insurance

• Business Insurance

• Home Insurance

• Professional Indemnity

• Marine Insurance

• Goods in Transit

• Last Expense

• Corporate Insurance

• Other Insurance

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What Is Insurance Quote Comparison?

Insurance quote comparison means obtaining and evaluating premiums and policy options from different insurers or insurance providers before deciding which policy to purchase.

A quote is not simply a price.

It is an indication of what an insurer is willing to charge for a particular level of risk and cover based on the information supplied.

For example, two insurers may quote different premiums for the same vehicle.

That does not automatically mean one insurer is expensive.

The policies may differ in:

• Sum insured

• Excess

• Windscreen limit

• Radio/accessories cover

• Political violence and terrorism cover

• Loss of use

• Personal accident benefits

• Towing and recovery

• Territorial limits

• Theft conditions

• Other exclusions and extensions

The same principle applies to health, travel, business and other insurance.

The right question is therefore not:

"Which insurance is cheapest?"

It is:

"Which policy provides the protection I need at a premium I can afford?

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Why Compare Insurance Quotes Before Buying?

Insurance premiums can vary between insurers because insurers assess risk differently and offer different policy structures.

Comparing gives you an opportunity to evaluate the differences before committing.

1. You can compare premiums

The most obvious reason to compare is price.

But price should be the starting point, not the final decision.

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2. You can compare benefits

A slightly more expensive policy may include benefits that are valuable to you.

For example, a motor policy may include additional benefits that another policy does not.

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3. You can compare exclusions

Two policies may appear similar until you examine what they exclude.

Always read the policy wording and schedule.

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4. You can compare excesses

An excess is the amount you may be required to contribute toward a covered claim, depending on the policy terms.

A policy with a lower premium may have a higher excess.

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5. You can compare insurers

You should know who is actually underwriting your policy.

The insurance intermediary helps facilitate the process, but the insurer is the company that provides the insurance contract.

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6. You can identify gaps in your protection

Comparison is also about discovering what your current policy does not cover.

This is particularly important for:

• Business owners

• Employers

• Vehicle owners

• Families

• Property owners

• Frequent travellers

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How to Compare Insurance Quotes in Kenya

A proper insurance comparison should go beyond the premium.

Use these eight questions.

1. What exactly is insured?

Is it:

• A vehicle?

• A person?

• A family?

• Employees?

• A building?

• Stock?

• Equipment?

• A business liability?

• A trip?

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2. What is the sum insured?

The sum insured determines the maximum amount or basis of protection for certain benefits.

Make sure the amount is appropriate for the risk.

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3. What risks are covered?

Look at the actual insured events.

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4. What is excluded?

This is one of the most important parts of your policy.

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5. What excess applies?

Understand what you may have to contribute when making a claim.

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6. What additional benefits are included?

Examples can include:

• Roadside assistance

• Loss of use

• Medical evacuation

• Baggage cover

• Personal accident

• Legal liability

• Alternative accommodation

• Windscreen cover

Benefits depend on the policy.

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7. Who is the insurer?

Verify the insurer and its authorised class of business.

The IRA publishes information on licensed insurers and the classes of insurance business they are authorised to transact.

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8. What happens when you make a claim?

This is often overlooked.

Insurance is ultimately tested when you need to use it.

Understand:

• How to notify a claim

• Required documents

• Time limits

• Assessment process

• Approved service providers

• Settlement process

• Applicable exclusions

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Buy Insurance Online in Kenya

Insurance buying in Kenya is increasingly becoming digital.

You can research a product, request a quote, compare options, make payment and receive policy documents without necessarily visiting an insurance office.

At GetCovered Kenya, our objective is to make that process simpler.

How online insurance buying works

Step 1: Choose your insurance

Select the type of insurance you need.

Step 2: Provide your details

The information required depends on the product.

For example, motor insurance may require:

• Registration number

• Vehicle make/model

• Year of manufacture

• Vehicle value

• Usage

• Driver information

A health policy may require:

• Number of people

• Ages

• Desired benefits

• Medical requirements

Travel insurance may require:

• Destination

• Travel dates

• Traveller age

• Number of travellers

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Step 3: Receive available quotes

The available options depend on the information provided, insurer appetite, eligibility and the product.

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Step 4: Compare the policies

Do not compare premium alone.

Review:

Price + Cover + Limits + Excess + Exclusions + Benefits + Insurer

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Step 5: Select your policy

Choose the option that meets your requirements and budget.

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Step 6: Make payment

Follow the payment instructions provided for the selected policy.

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Step 7: Receive your policy documents

After successful issuance, your certificate, policy or other relevant documentation can be delivered through the available digital channels.

Keep your documents securely.

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Is Buying Insurance Online Safe in Kenya?

Buying insurance online can be convenient, but consumers should still verify who they are dealing with.

Before paying:

Check the intermediary

Where an insurance intermediary is involved, verify its regulatory status through the IRA's published information where applicable.

Check the insurer

Find out which insurance company will actually issue your policy.

Check the payment details

Only use the payment channels provided through the legitimate insurance provider or intermediary.

Check your policy

Do not assume that payment alone means you have exactly the cover you expected.

Review your:

• Policy schedule

• Certificate

• Benefits

• Limits

• Exclusions

• Effective dates

Keep proof of payment

Save:

• M-Pesa confirmation

• Receipt

• Policy number

• Certificate

• Email correspondence

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Insurance Products You Can Compare in Kenya

The insurance market covers many different risks.

Below is a practical guide to the major insurance categories.

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1. Car Insurance in Kenya

Motor insurance is one of the most commonly purchased forms of general insurance in Kenya.

The Insurance (Motor Vehicle Third Party Risks) Act requires the relevant third-party insurance for motor vehicles used on roads, subject to the Act's provisions.

At GetCovered Kenya, drivers can explore different motor insurance options depending on their vehicle and intended use.

Comprehensive Car Insurance

Comprehensive insurance can provide broader protection for your vehicle and third-party liabilities, subject to the policy terms.

Potential benefits can include cover for:

• Accidental damage

• Theft

• Fire

• Third-party liability

• Windscreen

• Accessories

• Political violence and terrorism where selected/included

• Towing and recovery

• Other extensions

The exact benefits vary between policies.

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Third-Party Car Insurance

Third-party insurance provides liability protection for specified third-party risks and is the legally required form of motor insurance under the applicable Kenyan law for vehicles within its scope.

It does not provide the same protection for damage to your own vehicle as comprehensive insurance.

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Third-Party, Fire & Theft

This sits between basic third-party protection and comprehensive cover.

Depending on the policy, it can combine third-party liability with protection against specified events such as fire and theft.

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Compare Car Insurance Quotes

Before choosing motor insurance, compare:

• Vehicle value

• Premium

• Excess

• Third-party limits

• Windscreen benefit

• Theft

• Fire

• Political violence and terrorism

• Loss of use

• Personal accident

• Roadside assistance

• Other extensions

Get a Car Insurance Quote →

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2. Motorcycle Insurance in Kenya

Motorcycle owners, boda boda riders and businesses using motorcycles have different insurance requirements depending on how the motorcycle is used.

You may need cover for:

• Private motorcycle use

• Commercial use

• Delivery

• Boda boda/passenger carrying

• Business operations

Do not buy a private-use policy for commercial activity without confirming that the intended use is covered.

Compare Motorcycle Insurance

Get a Motorcycle Insurance Quote →

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3. PSV and Matatu Insurance

Public Service Vehicle insurance is relevant to vehicles used to transport passengers for hire or reward.

Depending on the vehicle and business, this can include:

• Matatus

• Taxis

• Ride-hailing vehicles

• Buses

• Other passenger-carrying vehicles

Your insurance needs to reflect the actual use of the vehicle.

For example, a vehicle being used for ride-hailing should not automatically be treated as an ordinary private vehicle.

Compare PSV Insurance

Get a PSV Insurance Quote →

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4. Health and Medical Insurance in Kenya

Medical insurance helps protect individuals and families against eligible healthcare expenses under the terms of their plan.

When comparing health insurance, look beyond the annual premium.

Compare:

Inpatient cover

Hospitalisation and eligible treatment requiring admission.

Outpatient cover

Medical treatment that does not require hospital admission.

Maternity

Benefits related to pregnancy and childbirth where included.

Dental

Dental treatment within the applicable benefit limits.

Optical

Eligible eye examinations, spectacles and related benefits where included.

Last Expense

Funeral-related financial protection may be available as an additional benefit or separate policy.

Medical provider network

Check the hospitals and healthcare providers available under the plan.

Waiting periods

Some benefits may have waiting periods before they become available.

Exclusions

Always read the policy terms.

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How to Compare Medical Insurance

Ask:

1. What is the annual limit?

2. Is inpatient included?

3. Is outpatient included?

4. Is maternity included?

5. What are the waiting periods?

6. Which hospitals are on the panel?

7. What happens outside Nairobi?

8. Are chronic conditions covered?

9. What are the exclusions?

10. How are claims handled?

Compare Health Insurance →

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5. Travel Insurance in Kenya

Travel insurance protects travellers against eligible risks during international trips.

Depending on the policy, benefits can include:

• Emergency medical expenses

• Medical evacuation

• Repatriation

• Lost baggage

• Delayed baggage

• Trip cancellation

• Travel delays

• Personal accident

• Personal liability

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Schengen Travel Insurance

If you are applying for a Schengen visa, travel medical insurance is an important part of the application requirements.

For the applicable uniform Schengen visa requirements, the EU Visa Code specifies minimum insurance coverage of EUR 30,000, with the insurance covering the relevant territory and the entire intended stay or transit.

GetCovered Kenya has a dedicated guide and online quote process for:

Schengen Travel Insurance Kenya

Compare available options and get your insurance certificate digitally.

Get Schengen Travel Insurance →

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6. Life Insurance in Kenya

Life insurance can help provide financial protection for dependants if the insured dies during the policy period or according to the policy structure.

Different products serve different purposes.

Term Life Insurance

Provides protection for a specified period.

Whole Life Insurance

Designed to provide longer-term life protection subject to the product terms.

Investment-linked products

Some life products combine insurance protection with an investment component.

Group Life Insurance

Employers can provide life benefits to employees under group schemes.

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How to Compare Life Insurance

Consider:

• Sum assured

• Premium

• Policy term

• Beneficiaries

• Exclusions

• Waiting periods where applicable

• Medical underwriting

• Premium payment period

• Policy maturity terms

• Surrender conditions where applicable

Explore Life Insurance →

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7. Personal Accident Insurance

Personal accident insurance can provide specified benefits following covered accidental injury, disability or accidental death.

It can be useful for:

• Employees

• Self-employed people

• Business owners

• Drivers

• Travellers

• Families

• Individuals who want additional accident protection

Benefits depend on the policy.

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8. WIBA Insurance in Kenya

Work Injury Benefits Act (WIBA) insurance relates to work-related injury and occupational risks.

Employers should understand their responsibilities under Kenya's applicable employment and insurance laws.

A WIBA policy can provide benefits for covered work-related injuries and occupational risks according to the policy and applicable law.

Businesses should compare:

• Number of employees

• Payroll

• Occupational risks

• Job categories

• Nature of business

• Geographical operations

• Benefit structure

Get a WIBA Quote →

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9. Business Insurance in Kenya

Businesses face different risks depending on what they do.

A restaurant does not face exactly the same risks as:

• A logistics company

• A construction company

• A school

• A hospital

• A manufacturer

• An online business

• A professional consultancy

• A retail shop

That is why business insurance should be based on the actual risk profile.

Potential covers include:

• Fire

• Burglary

• Public liability

• Employer-related risks

• Professional indemnity

• Business interruption

• Motor fleet

• Marine

• Goods in transit

• Electronic equipment

• Money

• Property

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10. Professional Indemnity Insurance

Professional indemnity insurance can protect eligible professionals against specified claims arising from professional services, subject to the policy terms.

It can be relevant to professionals such as:

• Consultants

• Accountants

• Architects

• Engineers

• IT professionals

• Lawyers

• Medical professionals

• Other professional service providers

The actual suitability depends on the profession and policy.

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11. Home Insurance in Kenya

Your home contains more than the building itself.

You may have:

• Furniture

• Electronics

• Appliances

• Jewellery

• Clothing

• Computers

• Phones

• Personal belongings

Home and domestic package insurance can provide protection against specified risks such as:

• Fire

• Theft

• Certain accidental damage

• Flood-related risks where covered

• Other insured events

The precise cover depends on the policy.

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12. Marine and Goods in Transit Insurance

Businesses transporting goods face risks between the point of origin and destination.

Marine and goods-in-transit insurance can cover specified losses involving goods while being transported, subject to policy terms.

This can be relevant to:

• Importers

• Exporters

• Manufacturers

• Distributors

• Logistics companies

• E-commerce businesses

• Wholesalers

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13. Corporate Insurance

Large businesses often need several insurance policies rather than one generic product.

A corporate insurance programme may involve:

• Group medical

• Group life

• Motor fleet

• WIBA

• Property

• Fire

• Burglary

• Liability

• Professional indemnity

• Marine

• Goods in transit

• Business interruption

• Cyber-related covers where available

A proper corporate insurance review should identify the company's assets, people, contracts and operational risks.

Request a Corporate Insurance Review →

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How Much Does Insurance Cost in Kenya?

There is no single price for insurance in Kenya.

Your premium depends on:

• Type of insurance

• Level of cover

• Risk

• Sum insured

• Age

• Vehicle value

• Claims history

• Occupation

• Number of people covered

• Policy duration

• Optional benefits

• Insurer

• Underwriting information

For this reason, publishing one generic "insurance price in Kenya" can be misleading.

Example: Motor Insurance

A vehicle worth KES 1 million does not necessarily cost the same to insure as another KES 1 million vehicle.

The insurer may consider:

• Vehicle model

• Usage

• Driver profile

• Claims history

• Security

• Location

• Excess

• Selected benefits

Example: Medical Insurance

Two families can have different premiums because of:

• Number of members

• Ages

• Benefit limits

• Inpatient/outpatient choices

• Maternity

• Dental

• Optical

• Provider network

• Other benefits

The best way to know your price

Request a personalised insurance quote.

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Cheap Insurance vs Affordable Insurance

There is a difference.

Cheap insurance focuses primarily on paying the lowest premium.

Affordable insurance means finding protection that fits your budget without sacrificing important benefits.

Imagine two car policies:

Feature	Policy A	Policy B
Premium	KES 35,000	KES 42,000
Windscreen	KES 30,000	KES 50,000
Excess	Higher	Lower
Loss of use	No	Yes
Roadside assistance	No	Yes
PVT	Optional	Included

Policy A is cheaper.

But whether it represents better value depends on what you actually need.

This is why insurance quote comparison should compare the policy, not just the price.

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What Is an Insurance Excess?

An excess is an amount that you may be required to contribute toward an eligible claim, depending on the policy.

For example, if a policy has a KES 20,000 excess, you may have to bear that amount before the insurer pays the balance of an eligible claim, subject to the policy terms.

When comparing quotes, always check the excess.

A lower premium with a high excess may not be the right choice for your circumstances.

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What Are Insurance Exclusions?

Exclusions are events, circumstances or losses that the policy does not cover.

Examples vary widely by insurance product.

Common exclusions can relate to:

• Intentional damage

• Fraud

• Certain pre-existing conditions

• Unauthorised use

• Certain high-risk activities

• Wear and tear

• Contractual obligations

• Uninsured events

Never assume that something is covered simply because you have paid your premium.

Read the policy wording.

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What Is the Difference Between an Insurance Quote and an Insurance Policy?

A quote is an indication of the premium and proposed terms based on information supplied.

A policy is the actual insurance contract once issued.

The final policy documentation determines the applicable:

• Cover

• Limits

• Conditions

• Exclusions

• Effective dates

• Premium

• Excess

Always review the issued documents.

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Why Insurance Quotes Change

You may receive one quote today and a different quote later.

This can happen because:

• Your risk information changed

• Vehicle value changed

• Travel dates changed

• Medical information changed

• The insurer's underwriting criteria changed

• A quote expired

• Taxes or charges changed

• Additional benefits were selected

• The insurer changed its pricing

A quote should therefore be treated as time-sensitive unless the insurer states otherwise.

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How to Get a Better Insurance Quote

You do not necessarily need to look for the absolute cheapest insurer.

Instead:

Give accurate information

Incorrect information can produce an unsuitable quote or create problems during a claim.

Compare multiple options

Where multiple options are available, compare them.

Remove unnecessary benefits

Do not pay for cover you do not need.

Add important benefits

Do not remove useful protection simply to reduce the premium.

Review annually

Your circumstances change.

Your insurance should change when your risk changes.

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When Should You Compare Your Insurance?

Do not wait until your policy expires.

Review your insurance when:

• Your policy is approaching renewal

• You buy a new vehicle

• You sell your vehicle

• You start a business

• You hire employees

• You travel internationally

• You buy a home

• You have a child

• Your income changes

• Your business expands

• You acquire new assets

• Your current insurer changes terms

An annual insurance review can help identify gaps and unnecessary costs.

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Can I Switch Insurance Companies in Kenya?

In many cases, you can choose a different insurer when your existing policy expires or when the applicable cancellation and transfer conditions permit.

Before switching, check:

• Current policy terms

• Cancellation conditions

• Renewal date

• Outstanding claims

• No-claim information where applicable

• New policy effective date

Important

Never allow a policy to lapse simply because you are comparing another insurer.

Make sure the replacement cover is active before relying on it.

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How to Choose an Insurance Company in Kenya

Price is only one factor.

Consider:

1. Regulatory status

Check the relevant licensing information.

The IRA publishes licensed insurers and intermediaries.

2. Product suitability

Does the insurer offer the type of cover you actually need?

3. Policy terms

Read the exclusions, conditions and limits.

4. Claims process

Understand how claims are reported and handled.

5. Service

Consider how easy it is to communicate with the insurer or intermediary.

6. Financial information

For significant insurance purchases, consider publicly available information about the insurer and the wider insurance market.

7. Price

Finally, compare the premium against the actual cover.

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What Is an Insurance Intermediary?

An insurance intermediary can help customers obtain insurance from insurers.

Depending on the intermediary's licence and role, this may include insurance brokers and agents.

The IRA publishes information on licensed intermediaries.

An intermediary can help with activities such as:

• Understanding insurance options

• Obtaining quotations

• Comparing available policies

• Completing documentation

• Policy administration

• Renewals

• Claims assistance

The exact services depend on the intermediary and its regulatory authorisation.

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Insurance Agent vs Insurance Broker vs Online Insurance Platform

These terms are sometimes used interchangeably online, but they are not necessarily identical.

Insurance Agent

An agent typically represents one or more insurers according to the relevant agency arrangement and licence.

Insurance Broker

A broker acts as an intermediary between clients and insurers within the scope of its regulatory authorisation.

Online Insurance Platform

An online platform can provide digital tools for requesting quotes, comparing products, purchasing insurance or managing policy information.

The important question is:

Who is authorised, who is providing the advice/intermediation, and which insurer is issuing the policy?

Consumers should verify the relevant regulatory information.

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Why GetCovered Kenya?

GetCovered Kenya is built around a simple idea:

Insurance should be easier to understand, compare and buy.

Instead of forcing customers to navigate complicated insurance terminology, we bring the comparison process online.

Compare

Explore available insurance options.

Understand

Review benefits, limits, exclusions and policy conditions.

Choose

Select cover based on your needs and budget.

Buy

Complete the purchase digitally.

Manage

Keep your insurance documents and policy information accessible.

Get support

Contact the GetCovered Kenya team when you need help understanding the process.

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Insurance at GetCovered Kenya

Explore our insurance categories.

Motor Insurance

Private Car Insurance

Protect your vehicle and third-party risks according to the selected policy.

Get Private Car Insurance →

Commercial Vehicle Insurance

Insurance for eligible commercial vehicles.

Get Commercial Motor Insurance →

PSV Insurance

Cover for eligible passenger service vehicles.

Get PSV Insurance →

Motorcycle Insurance

Insurance options for motorcycles and eligible uses.

Get Motorcycle Insurance →

Tuk Tuk Insurance

Cover options for eligible three-wheeled vehicles.

Get Tuk Tuk Insurance →

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Health Insurance

Explore:

• Individual medical insurance

• Family medical insurance

• Corporate medical insurance

• Inpatient cover

• Outpatient cover

• Maternity

• Dental

• Optical

• Other available benefits

Compare Health Insurance →

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Travel Insurance

Protect your international trip against eligible travel risks.

Explore:

• Schengen travel insurance

• International travel insurance

• Family travel insurance

• Student travel insurance

• Senior travel insurance

• Multi-trip travel insurance

Compare Travel Insurance →

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Life Insurance

Explore life protection options including:

• Term life

• Whole life

• Group life

• Other eligible life products

Explore Life Insurance →

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WIBA Insurance

Protect your business and employees against covered workplace risks.

Get WIBA Insurance →

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Personal Accident Insurance

Get protection against specified accidental injury, disability and death.

Get Personal Accident Insurance →

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Business Insurance

Protect your business against relevant operational risks.

Explore:

• Property

• Fire

• Burglary

• Liability

• Professional indemnity

• Business interruption

• Motor fleet

• Marine

• Goods in transit

• Other business covers

Get Business Insurance →

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Home Insurance

Protect your home and eligible contents against specified risks.

Get Home Insurance →

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Marine Insurance

Insurance for eligible marine and cargo risks.

Get Marine Insurance →

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Goods in Transit Insurance

Protect eligible goods while being transported.

Get Goods in Transit Insurance →

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Professional Indemnity Insurance

Protect eligible professionals against specified claims arising from professional services.

Get Professional Indemnity Insurance →

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Last Expense Insurance

Explore financial protection designed to help with specified funeral and final-expense costs.

Get Last Expense Insurance →

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Insurance Quote Comparison: What Documents Do You Need?

The documents required depend on the type of insurance.

Car insurance

You may need:

• Vehicle registration details

• Logbook information

• Vehicle valuation where applicable

• Identification

• Previous insurance details

• Other underwriting information

Medical insurance

You may need:

• Identification

• Date of birth

• Details of dependants

• Medical information where requested

Travel insurance

You may need:

• Passport details

• Destination

• Travel dates

• Traveller information

WIBA

Businesses may need:

• Employee numbers

• Payroll information

• Business details

• Nature of work

• Employee categories

Business insurance

You may need:

• Business details

• Asset values

• Stock values

• Location

• Operations

• Previous claims

• Risk information

The exact requirements vary by product and insurer.

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Insurance Quote Comparison Checklist

Before choosing a policy, ask yourself:

Price

☐ What is the premium?

Cover

☐ What exactly is covered?

Limits

☐ What is the maximum benefit?

Excess

☐ How much do I contribute to a claim?

Exclusions

☐ What is not covered?

Insurer

☐ Which company is underwriting the policy?

Dates

☐ When does the cover start?

☐ When does it end?

Claims

☐ How do I make a claim?

Documents

☐ Have I received my policy/certificate?

Payment

☐ Do I have proof of payment?

If you cannot answer these questions, ask before purchasing.

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Common Insurance Buying Mistakes in Kenya

Choosing only by price

Cheap does not always mean suitable.

Not reading exclusions

The exclusions can be just as important as the benefits.

Underinsuring your assets

Insuring a KES 5 million asset for KES 2 million can create a serious protection gap.

Giving inaccurate information

Always provide truthful and complete information requested by the insurer.

Forgetting policy expiry

Set a reminder before renewal.

Buying the wrong class of insurance

For example, using a private motor policy for commercial activity can create problems.

Not understanding excess

Know what you may have to contribute when making a claim.

Assuming every insurer offers the same cover

Insurance products vary.

Not checking the insurer

Know who is issuing your policy.

Waiting until after a loss

Insurance generally needs to be in force before the insured event occurs.

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How Insurance Claims Work

Buying insurance is only the beginning.

If an insured event occurs, you need to follow the policy's claims procedure.

A typical process is:

1. Notify the insurer

Report the incident as soon as reasonably possible according to your policy requirements.

2. Document what happened

Depending on the claim, this may include:

• Photos

• Police abstract

• Medical documents

• Receipts

• Invoices

• Statements

• Witness details

• Other evidence

3. Submit the claim

Complete the required claim form and supporting documents.

4. Assessment

The insurer may investigate or appoint an assessor depending on the nature of the claim.

5. Decision

The insurer evaluates the claim according to the policy.

6. Settlement

If the claim is accepted, settlement occurs according to the policy terms.

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What If an Insurance Claim Is Delayed or Disputed?

If you experience a problem with a claim:

1. Ask the insurer for an explanation.

2. Request the relevant policy clause.

3. Keep written records.

4. Escalate through the insurer's complaints process.

5. If necessary, explore the applicable regulatory or dispute-resolution channels.

The IRA identifies consumer protection and policyholder interests among its functions and provides consumer/complaints resources.

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Insurance in Kenya: The Bigger Picture

Insurance is an important part of Kenya's financial system.

According to the Insurance Regulatory Authority, total industry gross written premiums reached KES 352.29 billion by the end of September 2025, representing an 11.2% increase compared with the same period in 2024. General insurance premiums reached KES 185.40 billion, while long-term insurance premiums reached KES 165.36 billion.

IRA's Q1 2025 industry release also shows the scale of general insurance across classes such as medical, motor, fire, liability, marine, personal accident and workmen's compensation.

This means Kenyan consumers and businesses have a wide range of insurance products to navigate.

The challenge is no longer simply:

"Can I get insurance?"

It is:

"Which insurance product, insurer, benefits and limits are appropriate for my risk?"

That is where comparison becomes valuable.

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Insurance Comparison Should Be About Value

The purpose of comparison is not to declare one insurer universally "the best."

There is no single insurance policy that is automatically right for every Kenyan.

A young driver with a KES 700,000 vehicle has different needs from:

• A family with three children

• A logistics company

• A senior traveller

• A construction company

• A school

• A professional consultant

• A multinational business

The right policy depends on the risk.

Compare the things that matter:

Premium

Coverage

Limits

Exclusions

Excess

Insurer

Claims process

Service

Policy conditions

That is a much more useful way to compare insurance.

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Frequently Asked Questions About Insurance Quotes in Kenya

What is an insurance quote?

An insurance quote is an indication of the premium and proposed terms for a particular risk based on information provided to the insurer or intermediary.

It is not necessarily the final insurance contract until the policy is issued.

How can I compare insurance quotes in Kenya?

Provide your insurance requirements, obtain available quotations and compare the premiums, benefits, limits, exclusions, excesses and insurer before choosing.

Can I buy insurance online in Kenya?

Yes. Many insurance products can be researched, quoted and purchased through digital channels, depending on the product and insurer.

What is the cheapest insurance in Kenya?

There is no single cheapest insurance policy for everyone. Premiums depend on the type of cover and the individual risk.

Is the cheapest insurance the best?

Not necessarily. Compare the actual protection, exclusions, limits and excess alongside the premium.

Can I compare several insurance companies at once?

Where multiple insurer options are available through an intermediary or comparison platform, you can compare the available quotations rather than requesting each quote separately.

Can I pay insurance using M-Pesa?

Many Kenyan insurance providers and intermediaries offer M-Pesa or other digital payment options. Follow the payment instructions provided by the legitimate provider handling your policy.

How long does an insurance quote take?

It depends on the product.

Simple products may be quoted quickly, while complex commercial risks may require underwriting information, documentation, inspection or valuation.

Can I buy car insurance online?

Yes, depending on the insurer, vehicle and cover required.

Can I buy travel insurance online?

Yes. Travel insurance is particularly suited to digital purchase because much of the required information concerns your traveller details, destination and travel dates.

Can I buy health insurance online?

Some medical insurance products can be initiated or purchased digitally, although underwriting and medical requirements vary.

How do I know if an insurer is licensed in Kenya?

The Insurance Regulatory Authority publishes information on licensed insurers and intermediaries. Check the current IRA information when verifying an insurer or intermediary.

What should I check before paying for insurance?

Check:

• Insurer

• Premium

• Cover

• Limits

• Exclusions

• Excess

• Effective dates

• Payment details

• Policy conditions

Can I switch insurance companies?

You can generally choose a different insurer at renewal, subject to the applicable policy and contractual conditions. If cancelling an existing policy, check the cancellation terms before switching.

Why are insurance premiums different between companies?

Insurers may assess risk differently and offer different benefits, limits, exclusions and policy structures.

How often should I review my insurance?

At least annually, and whenever there is a major change in your circumstances, assets, business or travel.

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Compare Insurance Quotes With GetCovered Kenya

You do not need to understand every insurance term before starting.

Tell us what you want to protect.

We will help you understand the available options.

Looking for:

Car insurance?

Medical insurance?

Travel insurance?

Schengen insurance?

Life insurance?

WIBA?

Business insurance?

Home insurance?

Personal accident insurance?

Corporate insurance?

Start with a quote.

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Get Your Insurance Quote Online

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Compare the available options.

Understand the cover.

Choose your policy.

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Important Information

Insurance products are subject to the terms, conditions, limits, exclusions and underwriting requirements of the issuing insurer.

Availability, premiums and benefits vary according to the product, insurer and individual risk.

GetCovered Kenya does not guarantee that every insurer or insurance product will be available for every customer.

A quotation is not the same as an issued insurance policy.

Always review your policy schedule, certificate and policy wording before relying on your insurance cover.

For regulatory information, consumers can consult the Insurance Regulatory Authority's current information on licensed insurers and insurance intermediaries.

Last updated: September 2026