Author: Brian Nyabayo Ndege | Reviewer: GetCovered Kenya Editorial Team
Definite Assurance Overview
Definite Assurance Company Limited is a relatively new and fast-growing general insurance provider in the Kenyan market. Having received its operational license from the Insurance Regulatory Authority (IRA) in December 2024, the company positions itself as an innovative trailblazer focused on customer-centric risk management solutions. Operating from the Nairobi Central Business District, Definite Assurance aims to provide certainty for wealth and wellbeing through direct underwriting of motor, medical, and property risks.
Definite Assurance Company Profile
Information
DetailsCompany | Definite Assurance Company Limited
Country | Kenya
Headquarters | ABSA Towers, 1st Floor, Loita Street, Nairobi
Established | Licensed in December 2024
Insurance type | General Insurance
DetailsCompany | Definite Assurance Company Limited
Country | Kenya
Headquarters | ABSA Towers, 1st Floor, Loita Street, Nairobi
Established | Licensed in December 2024
Insurance type | General Insurance
Is Definite Assurance Licensed in Kenya?
Yes. According to the Insurance Regulatory Authority (IRA) 2026 gazette notice,
Definite Assurance Company Limited is officially licensed to operate as a general insurer in Kenya.
Definite Assurance Company Limited is officially licensed to operate as a general insurer in Kenya.
The company is authorized to underwrite a comprehensive range of general insurance classes: Aviation, Engineering, Fire Domestic, Fire Industrial, Liability, Marine, Motor Private, Motor Commercial, Personal Accident, Theft, Workmen’s Compensation / WIBA, Medical, and Miscellaneous.
Important Note: Definite Assurance is not licensed as a Long-Term (Life) Insurer. Customers seeking life assurance or pension products will need to consult specialized long-term underwriters.
Insurance Products Offered by Definite Assurance
Despite being a recent entrant, Definite Assurance leverages its broad general license to offer several core products.
Motor Insurance
Motor insurance forms a significant part of their portfolio. They provide direct cover ensuring peace of mind for various vehicle categories:
- Private Car Insurance: Comprehensive and third-party covers for personal vehicles.
- Commercial Vehicle Insurance: Tailored policies for business-owned transport.
- Public Service Vehicles (PSV): Cover options specifically structured for public transport operators.
Medical Insurance
Leveraging their Class 12 license, Definite Assurance underwrites health coverage tailored for organizations:
- Corporate Medical Cover: Designed to keep employer teams healthy through simple, affordable medical plans.
- Travel Insurance: Comprehensive healthcare plans designed for international travelers.
General Non-Motor Insurance
To protect business and property risks, they offer:
- Fire & Burglary Insurance: Protecting homes and businesses from fire, theft, and loss.
- Liability and Technical Risks: Specialized covers including Engineering and general property protection.
Definite Assurance Claims Process
Policyholders needing to lodge a claim must immediately notify the company. General procedures involve:
- Downloading and filling out the specific claim forms available on their official website.
- Submitting necessary supporting documentation such as police abstracts or medical reports.
- Independent regulatory claims settlement ratios for 2026 are not yet extensively documented due to the company's recent inception.
Definite Assurance Customer Service
Definite Assurance emphasizes a strong customer-first approach through various channels:
- Digital Access: Request instant quotes for motor, medical, and business fleet covers via their online portal.
- Headquarters: Located at ABSA Towers, 1st Floor, Loita Street, Nairobi (Open 24/7).
- Contact Channels: Support via phone (+254 708 247 247) and email (customerservice@definiteassurance.com).
What Definite Assurance Does Well
- Broad General Licensing: Authorization for 13 general insurance classes demonstrates regulatory trust.
- Corporate Focus: Centrally located to serve clients seeking commercial liability and medical covers.
- Digital Quoting: Streamlined website for instant quotation requests.
Things to Consider Before Choosing Definite Assurance
- Limited Track Record: Newer entrant compared to decades-old tier-one insurers.
- No Life Insurance: They cannot bundle corporate medical with employee life or pension plans.
Who May Consider Definite Assurance?
Definite Assurance is highly suitable for corporate organizations looking for affordable medical plans and individuals seeking competitive motor insurance quotes from a newer market player.
- Corporate Organizations: SMEs and businesses looking for bundled commercial property, fleet motor, and corporate medical plans.
- Individuals: Seeking competitive quotes on private motor insurance or property protection from a newer, aggressive market player.
Definite Assurance vs Other Insurance Companies
When evaluating Definite Assurance against established insurers like APA or CIC, customers should weigh personalized service from a new entrant against the extensive branch networks of older companies.
How to Get Insurance from Definite Assurance
Customers can request quotes by visiting their office in Nairobi, calling their 24/7 support lines, or utilizing the instant quote forms on their official website.
GetCovered Kenya can help you compare Definite Assurance's corporate medical, motor, and property insurance options against other leading providers. We assist in obtaining quotations to ensure you choose the best financial protection for your specific needs.
Frequently Asked Questions
Is Definite Assurance Company licensed in Kenya? Yes. Definite Assurance Company Limited was licensed by the Insurance Regulatory Authority (IRA) in December 2024 and is fully authorized as a General Insurer for 2026.
What insurance does Definite Assurance offer?
They offer a wide range of general insurance products, including motor (private and commercial), corporate medical, travel, fire, burglary, and liability covers.
Does Definite Assurance offer medical insurance? Yes, they are licensed for Class 12 (Medical) and offer corporate medical covers and travel health insurance.
Does Definite Assurance offer life insurance? No. According to the 2026 IRA gazette, they are not licensed to underwrite long-term (life) insurance products.
Where is Definite Assurance located?
The company's headquarters is located on the 1st Floor of ABSA Towers, Loita Street, in Nairobi's Central Business District.