Insurance Comparison Should Be More Than Comparing Prices
When you compare insurance, the cheapest premium does not necessarily represent the best value.
Two insurance policies can have different premiums while also providing different levels of protection, limits, exclusions, excesses and optional benefits.
That is why GetCovered's approach to insurance comparison is designed to look beyond the price.
We compare the cost, coverage and conditions of available insurance options so customers can make more informed decisions.
This page explains how our comparison process works, what information we consider, how we handle differences between insurers and what our comparison does—and does not—mean.
Our principle: Compare what matters, explain the differences and let the customer make the decision.
What Does GetCovered Compare?
Depending on the insurance product, the information available for comparison can include:
Comparison factorWhat we look atPremium | The quoted price for the applicable policy and customer information
Insurer | The insurance company providing the underlying policy
Cover type | For example, comprehensive, third-party, medical, travel or other applicable cover
Coverage | What risks and benefits the policy provides
Limits | Maximum amounts payable under applicable sections of the policy
Excess | Amount the customer may be required to contribute toward an eligible claim
Exclusions | Circumstances, risks or situations the policy does not cover
Optional benefits | Additional protection available under the relevant product
Policy period | When the policy begins and ends
Conditions | Important requirements attached to the cover
Eligibility | Whether the customer and risk meet the insurer's requirements
Claims information | Where available, information explaining how claims are handled
Insurer | The insurance company providing the underlying policy
Cover type | For example, comprehensive, third-party, medical, travel or other applicable cover
Coverage | What risks and benefits the policy provides
Limits | Maximum amounts payable under applicable sections of the policy
Excess | Amount the customer may be required to contribute toward an eligible claim
Exclusions | Circumstances, risks or situations the policy does not cover
Optional benefits | Additional protection available under the relevant product
Policy period | When the policy begins and ends
Conditions | Important requirements attached to the cover
Eligibility | Whether the customer and risk meet the insurer's requirements
Claims information | Where available, information explaining how claims are handled
Not every comparison will contain every factor.
The information available depends on the insurance product, insurer, quotation process and information supplied by the customer.
Our Comparison Principles
Our comparison methodology is built around six principles.
1. Accuracy
We aim to present information accurately based on the information available to us at the time of comparison.
Insurance premiums and terms can change.
A quotation generated for one customer may not apply to another customer because insurance pricing and underwriting depend on factors such as the risk being insured, customer information and insurer requirements.
2. Transparency
We explain what we are comparing and distinguish between:
- Price
- Coverage
- Benefits
- Limits
- Exclusions
- Excesses
- Conditions
- Optional extensions
We do not want customers to believe that a lower premium automatically means a better insurance policy.
3. Like-for-Like Comparison Where Possible
A meaningful comparison requires comparing policies that provide reasonably comparable protection.
For example, comparing:
Comprehensive Motor Insurance
with:
Third-Party Only Motor Insurance
purely on price would be misleading because the two products provide substantially different levels of protection.
Where products are materially different, we explain the difference rather than presenting them as equivalent alternatives.
4. Product-Specific Comparison
There is no single comparison formula that works for every type of insurance.
The factors relevant to motor insurance are different from those relevant to travel insurance, medical insurance, WIBA, life insurance or business insurance.
For example:
Motor insurance
We may consider:
- Cover type
- Vehicle value
- Premium
- Excess
- Own damage
- Theft
- Fire
- Third-party liability
- Windscreen benefits
- Optional extensions
- Vehicle use
Travel insurance
We may consider:
- Medical expenses
- Emergency evacuation
- Repatriation
- Baggage
- Travel delay
- Cancellation
- Personal liability
- Destination
- Trip duration
- Policy limits
- Schengen requirements
Health insurance
We may consider:
- Annual limits
- Inpatient cover
- Outpatient cover
- Hospital network
- Maternity
- Dental
- Optical
- Pre-existing conditions
- Waiting periods
- Exclusions
The comparison criteria therefore change according to the insurance product.
How We Handle Price
Price is an important part of insurance comparison—but it is not the only factor.
When quotations are available, we may display or use premium information as one of the comparison factors.
However, the lowest premium does not automatically mean the policy provides the most suitable protection.
For example:
Policy A: KSh 40,000 premium
Policy B: KSh 48,000 premium
Policy B: KSh 48,000 premium
Policy A may initially appear cheaper.
But if Policy B has:
- A lower excess
- Higher limits
- Additional benefits
- Fewer exclusions
- Broader applicable protection
the difference in premium needs to be considered alongside those differences.
We therefore encourage customers to compare the policy as a whole rather than choosing based solely on price.
How We Compare Insurance Coverage
Coverage describes the risks and benefits that a policy responds to, subject to its terms and conditions.
When comparing policies, we look at the relevant coverage information available for the product.
For example, when comparing comprehensive motor insurance, relevant areas may include:
- Accidental damage
- Theft
- Fire
- Third-party liability
- Windscreen
- Accessories
- Political violence and terrorism
- Other optional extensions
The exact scope of cover depends on the insurer's policy wording.
A benefit appearing in a comparison does not mean that every circumstance is covered.
Customers should always read the applicable policy wording, schedule, endorsements and exclusions before relying on a particular benefit.
How We Compare Exclusions
Exclusions are particularly important because they describe situations where an insurer may not provide cover.
A policy can appear attractive based on its benefits while containing exclusions that materially affect its usefulness.
Where relevant information is available, our comparisons can highlight important exclusions or direct customers to the insurer's policy documentation.
Examples can include exclusions relating to:
- Unauthorised vehicle use
- Certain driver circumstances
- Pre-existing medical conditions
- Specific activities
- Certain destinations
- Unreported changes in risk
- Failure to comply with policy conditions
The exact exclusions depend on the product and insurer.
Customers should never rely on a comparison summary as a substitute for the full policy wording.
How We Compare Excesses
An excess is an amount the insured may be required to contribute toward an eligible claim, depending on the policy.
A lower premium can sometimes be accompanied by a different excess structure.
For this reason, our comparison process considers the excess where relevant information is available.
For example:
PolicyPremiumExcessOption A | KSh 50,000 | KSh 100,000
Option B | KSh 55,000 | KSh 50,000
Option C | KSh 60,000 | KSh 30,000
Option B | KSh 55,000 | KSh 50,000
Option C | KSh 60,000 | KSh 30,000
Looking only at the premium would leave out an important part of the comparison.
How We Compare Insurance Companies
GetCovered may present insurance options from insurers available through its platform or applicable distribution arrangements.
The list of available insurers can vary by:
- Product
- Customer
- Risk
- Vehicle
- Destination
- Policy requirements
- Underwriting criteria
- Current commercial arrangements
We therefore do not imply that every insurer is available for every product.
Where insurer information is presented, customers should verify the underlying insurer and the applicable policy documentation.
The IRA publishes information about licensed insurance entities and intermediaries in Kenya. (Internal Revenue Authority)
Important
GetCovered is an insurance intermediary/platform and is not the insurance company underwriting the customer's policy.
The applicable insurance contract is between the customer and the relevant insurer, subject to the terms of that policy.
Does GetCovered Rank Insurance Companies?
This is an important distinction.
GetCovered should not present a comparison as an objective ranking of insurers unless there is a clearly defined, evidence-based methodology supporting that ranking.
Instead, our objective is to provide relevant information about available insurance options so customers can evaluate them.
A policy may be cheaper.
Another may have a higher limit.
Another may include an additional benefit.
Another may have a different excess.
These differences are presented as information—not as an instruction about which insurer a customer must choose.
Does the Cheapest Insurance Win?
No.
Price is one comparison factor.
It should be considered alongside the protection being purchased.
For example, when comparing car insurance, a customer should consider:
Premium + Cover + Limits + Excess + Exclusions + Benefits + Conditions
rather than:
Premium alone.
The same principle applies across other insurance products.
How We Handle Insurance Quotes
Insurance quotations are based on information provided during the quotation process and the applicable insurer's pricing and underwriting requirements.
A quote can change if:
- Customer information changes
- Vehicle information changes
- Risk information changes
- Additional information is requested
- The insurer's underwriting requirements change
- The quotation expires
- The insurer changes the applicable terms
Therefore:
A quotation is not necessarily confirmation that insurance cover is in force.
Customers should confirm that the policy has been issued and that the applicable premium has been paid according to the insurer's requirements.
How We Handle Insurance Data
Our comparisons may require information about the customer or the risk being insured.
Depending on the product, this may include information relating to:
- Identity
- Contact details
- Vehicle
- Travel
- Health
- Property
- Business
- Previous insurance
- Other information required for underwriting
We process personal information according to applicable requirements and our privacy practices.
Customers should review our Privacy & Data Protection information to understand how their personal information is handled.
How We Verify Information
Our methodology uses information from relevant sources, which may include:
Primary sources
We prefer information from:
- Insurance companies
- Official policy documents
- Policy schedules
- Product documentation
- Regulatory sources
- Applicable legislation
- Official insurer websites
Regulatory sources
For regulatory information, we use official information from the Insurance Regulatory Authority of Kenya (IRA) where available.
The IRA is the statutory regulator responsible for regulating, supervising and developing Kenya's insurance industry. (IRA - Kenya)
Customer-provided information
Where a quotation depends on information supplied by a customer, we use the information provided through the applicable quotation process.
Internal information
Where GetCovered has relevant operational information, such as customer support or transaction information, we distinguish internal information from independently published regulatory or insurer information.
How Often Do We Update Our Comparison Information?
Insurance information changes.
Insurers may:
- Change products
- Change premiums
- Change benefits
- Change exclusions
- Introduce new requirements
- Withdraw products
- Change underwriting criteria
Regulatory requirements can also change.
We therefore review important comparison information periodically and when material changes become known.
Where appropriate, pages should display:
Published: [Date]
Last reviewed: [Date]
Next scheduled review: [Date]
Reviewed by: [Name / role]
Do not add a new review date merely to make an old page appear fresh. The date should correspond to an actual review or substantive update.
What GetCovered Does Not Do
Transparency also means explaining our limitations.
GetCovered does not:
- Underwrite insurance policies
- Set an insurer's underwriting rules
- Determine whether a claim is payable
- Guarantee that a claim will be accepted
- Guarantee that every insurer or product is available
- Guarantee that the lowest displayed premium will remain available
- Replace the insurer's policy wording with a comparison summary
The applicable insurer is responsible for the insurance contract and claims decisions according to the policy terms.
How GetCovered Makes Money
An important part of a trustworthy comparison platform is explaining its commercial model.
Where applicable, GetCovered may receive commission or other remuneration from an insurer when an eligible insurance policy is purchased, subject to the applicable commercial and regulatory arrangements.
This commercial relationship does not change the need to clearly identify:
- The insurer
- The policy
- The premium
- The applicable cover
- Important exclusions
- Relevant conditions
Important transparency principle
Customers should know who provides their insurance and how the comparison platform participates in the transaction.
For the final published version, make sure this section precisely matches GetCovered's actual contracts, licence structure and remuneration arrangements.
How We Deal With Commercial Relationships
GetCovered may have commercial relationships with insurers whose products are made available through the platform.
A commercial relationship does not mean that every insurer is suitable for every customer or that every insurer's product is available for every risk.
Availability depends on the applicable product, customer information, underwriting requirements and current arrangements.
Where an insurer is not available for a particular quotation, we do not represent that insurer as an available option.
What "Compare" Means on GetCovered
When we say that customers can compare insurance, we mean that we provide information about available insurance options in a way that allows relevant differences to be considered.
Comparison does not necessarily mean:
"We searched every insurance company in Kenya."
It means:
We compare the available options presented through the applicable GetCovered quotation or distribution process.
This distinction is important.
We want customers to understand the scope of every comparison rather than assuming that the platform represents every possible insurance product in the market.
Our Comparison Framework
For many products, our framework can be represented as:
1. Identify the customer's insurance need
What is the customer trying to protect?
2. Identify the appropriate product
For example:
- Motor
- Travel
- Health
- Life
- WIBA
- Personal accident
- Home
- Business
3. Collect the relevant risk information
The information required depends on the product.
4. Identify available options
Available insurers and products are determined by the applicable quotation and underwriting process.
5. Compare the available options
We examine relevant:
Price → Coverage → Limits → Excess → Exclusions → Benefits → Conditions
6. Present the differences
The customer can review the available information.
7. Customer chooses
The final decision belongs to the customer.
8. Policy is issued
The applicable insurer issues the insurance policy subject to its requirements.
Our Commitment to Fair Comparison
We want GetCovered to be a platform where customers can understand insurance before purchasing it.
That means our goal is not simply to show:
"Option A — KSh X"
Instead, we aim to help customers understand:
What does KSh X actually buy?
What does it cover?
What does it exclude?
What are the limits?
What is the excess?
Who is the insurer?
What conditions apply?
What happens if I need to claim?
Those questions are central to meaningful insurance comparison.
Comparison Does Not Replace Professional Advice
Insurance can involve significant financial decisions.
Information presented through GetCovered is intended to help customers understand and compare available insurance options.
It should not be treated as a substitute for reading the applicable policy documentation or obtaining professional advice where appropriate.
For complex or specialised risks, customers may need additional information from the insurer or a qualified insurance professional.
Our Methodology Is Continuously Improving
Our comparison methodology is not intended to be static.
As we expand the products and insurers available through GetCovered, we may add new comparison factors, improve how information is presented and update our verification processes.
When we make material changes to this methodology, we will update this page.
Methodology version: 1.0
Last reviewed: September 2026
Last reviewed: September 2026
Our Promise to Customers
We believe an insurance comparison platform should make it easier—not harder—to understand what you are buying.
Our commitment is to:
Compare clearly.
Explain honestly.
Show important differences.
Identify the insurer.
Make limitations visible.
Keep information under review.
Give customers the information they need to make their own decision.
Frequently Asked Questions
How does GetCovered compare insurance?
GetCovered compares available insurance options using relevant factors such as premium, coverage, limits, excesses, exclusions, benefits, conditions and the insurer providing the policy. The factors used depend on the insurance product.
Does GetCovered compare every insurance company in Kenya?
Not necessarily. The insurers available through GetCovered depend on the product, underwriting requirements, customer information and current commercial arrangements. A comparison should not be interpreted as a comparison of every insurance product available in the Kenyan market.
Does GetCovered recommend the cheapest insurance?
No. Price is one factor in an insurance comparison. Customers should also consider coverage, limits, exclusions, excesses, benefits and conditions.
Is GetCovered an insurance company?
GetCovered operates as an insurance intermediary/platform. It is not the insurer underwriting the customer's policy. The applicable insurance policy is provided by the relevant insurer.
Who pays an insurance claim?
The applicable insurer is responsible for assessing and settling claims according to the policy terms. GetCovered may assist customers with communication or the insurance process where applicable, but it does not replace the insurer's claims decision.
Can an insurance quote change?
Yes. A quotation may change depending on the information supplied, underwriting requirements, quotation validity and other factors.
Is the cheapest insurance always the best value?
No. A lower premium can come with different coverage, limits, excesses, exclusions or conditions. A meaningful comparison considers the whole policy.
Where does GetCovered get insurance information?
We use relevant information from insurers, policy documents, regulatory sources, legislation, official sources and information supplied during the quotation process. Important information is reviewed and updated as appropriate.
Final Verification Section
I strongly recommend putting this near the bottom and linking to it from your Trust Centre:
Independent Verification
Insurance is a regulated industry in Kenya.
The Insurance Regulatory Authority (IRA) regulates and supervises the insurance industry and licenses insurance companies and insurance intermediaries. (Internal Revenue Authority)
Customers can independently verify regulatory information through the IRA's official channels.
Don't take our word for it. Verify.
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