With GetCovered Kenya, you can start your insurance journey online, compare available insurance options, request quotations and get assistance from insurance professionals before choosing your cover.
Whether you need car insurance, motorcycle insurance, health insurance, travel insurance, life insurance, WIBA insurance, personal accident insurance or business insurance, our goal is to make the process easier to understand and easier to complete.
But buying insurance online should not simply be about finding a low price.
You need to know:
Who is arranging your insurance?- Which insurance company is underwriting your policy?
- What exactly does your policy cover?
- What is excluded?
- How much are you paying?
- What are the limits and excesses?
- When does your cover begin?
- How do you make a claim?
- How can you verify that your insurance is genuine?
Transparency matters because insurance is a financial contract and a promise of protection.
That is why GetCovered is built around a simple principle:
You should understand your insurance before you pay for it.
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Why Buy Insurance Online With GetCovered?
Buying insurance traditionally can involve contacting several insurers or agents, requesting quotations, comparing different documents and trying to understand insurance terminology on your own.
Digital insurance can make this process easier.
With GetCovered, you can start online and access insurance information from your phone or computer.
Depending on the product and insurer, the process can involve:
Requesting a quote → Comparing available options → Understanding the cover → Choosing a policy → Making payment → Receiving your insurance documents
But convenience is only part of the equation.
We believe an online insurance platform must also be transparent, properly regulated, secure and accountable.
That is why our website provides information about our regulatory credentials, corporate identity, insurance partners, data protection practices and customer support.
Why You Can Trust GetCovered Kenya
Insurance involves your money, your property, your health, your business and sometimes your family's financial security.
Trust should therefore be based on more than marketing claims.
At GetCovered, we believe customers should be able to verify who they are dealing with.
We provide transparency about our regulatory status
GetCovered operates within Kenya's insurance regulatory framework and maintains the applicable licensing and compliance requirements for its insurance intermediary activities.
We identify the insurance company behind your policy
GetCovered is not the insurance company underwriting your policy.
Where you purchase insurance through our platform, the applicable policy is issued by the relevant licensed insurer.
We work with licensed insurance providers
Our insurance offering is based on products provided by insurance companies operating within the applicable Kenyan regulatory framework.
We take data protection seriously
Insurance applications can involve personal, financial, medical and other sensitive information.
We process customer information in accordance with applicable data protection requirements and our Privacy Policy.
We provide a real business identity
Customers should know where they are dealing with.
Our corporate information, physical office location and official contact channels are available to customers who need assistance or have questions about our services.
We believe insurance should be understandable
We do not want customers to choose a policy simply because a price is displayed on a screen.
We want you to understand the important differences between your options before making a decision.
Our Regulatory and Compliance Credentials
1. Insurance Regulatory Authority (IRA) Licensing
GetCovered Kenya operates within the regulatory framework established for the insurance industry in Kenya, including the Insurance Act (Cap. 487) and applicable regulations.
Our insurance intermediary activities are subject to oversight by the Insurance Regulatory Authority (IRA), the statutory body responsible for regulating, supervising and developing the insurance industry in Kenya.
Our regulatory details
License Type: Corporate Insurance Agent / Intermediary
Current IRA License Number: IRA/05/45715/2026
Regulator: Insurance Regulatory Authority of Kenya
Regulated activities: Insurance intermediary services within the scope permitted by our licence and applicable regulatory requirements.
Verify our regulatory status
We encourage customers to independently verify the regulatory status of insurance intermediaries and insurers through the Insurance Regulatory Authority.
This is important because you should never have to rely solely on an insurance company's own website to establish whether an insurance business or intermediary is authorised.
Independent verification is one of the simplest ways to protect yourself when buying insurance online.
2. Corporate Registration
GetCovered Kenya operates through a legally registered Kenyan business entity.
Our corporate information
Registered Corporate Name: GetCovered Kenya
Tax Registration: Registered with the Kenya Revenue Authority where applicable.
We believe corporate transparency is an important part of building trust online.
Customers should be able to identify the business they are dealing with, not just a website or brand name.
3. Our Insurance Partners
When you purchase insurance, it is important to understand the difference between the intermediary and the insurer.
GetCovered helps you access and arrange insurance.
The insurance company underwrites the policy.
The insurer is responsible for the insurance contract and the assessment of covered claims according to the applicable policy terms.
Depending on the insurance product, available insurers may include licensed insurance companies such as:
Britam- Jubilee
- APA
- Directline
- Gemini
- ICEA
- Other participating insurers
The exact insurers available depend on the product, underwriting requirements and current commercial arrangements.
We do not represent that every insurer is available for every insurance product.
Why this distinction matters
Suppose you purchase motor insurance through GetCovered.
Your relationship may involve:
You → GetCovered → Insurance Company
GetCovered assists with the insurance transaction.
The insurer provides the underlying insurance policy.
Your policy documentation should clearly identify the insurance company underwriting your cover.
We Don't Believe You Should Have to Take Our Word for It
One of the most important principles behind online insurance is verifiability.
A website can say:
“We are legitimate.”
A better approach is to show customers where they can verify the information.
That is why we encourage customers to check:
Our regulatory status
Verify relevant licensing information through the Insurance Regulatory Authority.
The insurer
Confirm which licensed insurance company is underwriting your policy.
Your policy
Check your policy number, certificate, dates, premium, limits and insured details.
Your payment
Retain your M-Pesa, bank or card payment confirmation.
Your documents
Keep your quotation, receipt, certificate, schedule and policy wording.
Trust should be supported by evidence.
How GetCovered Protects Your Personal Data
Buying insurance online requires you to provide information.
Depending on the product, this may include:
Name- Phone number
- Email address
- Identification information
- Vehicle information
- Financial information
- Medical information
- Travel information
- Business information
- Other information required for underwriting
We recognise that this information must be handled responsibly.
GetCovered processes personal information in accordance with applicable requirements under Kenya's Data Protection Act, 2019, together with our applicable privacy and data handling policies.
Why Do We Collect Your Information?
Information may be required to:
Provide an insurance quotation- Assess your insurance requirements
- Communicate with you
- Arrange insurance
- Process applications
- Facilitate payment
- Issue policy documents
- Provide customer support
- Assist with policy administration
- Facilitate claims-related communication
- Meet applicable legal and regulatory obligations
We do not believe customers should have to guess what happens to their information.
You can read our full privacy practices here:
Your Information May Need to Be Shared to Arrange Your Insurance
Transparency also means being honest about how insurance transactions work.
If you request an insurance quotation, relevant information may need to be provided to an insurer or other authorised service provider involved in processing your insurance transaction.
For example, an insurer may need information about:
Your vehicle- Your health requirements
- Your travel plans
- Your business
- Your employees
- The property you want to insure
- Other information relevant to underwriting
This does not mean your information should simply be shared indiscriminately.
Personal information should be handled according to applicable legal requirements, our privacy practices and the legitimate requirements of providing the requested insurance service.
For the complete details, please review our:
How We Approach Insurance Comparison
Insurance comparison should not mean choosing the cheapest quotation automatically.
Different policies can have different:
Premiums- Benefits
- Limits
- Excesses
- Exclusions
- Conditions
- Extensions
- Underwriting requirements
A quotation that costs less may provide less protection.
That is why we encourage customers to compare the substance of the insurance policy, not just the price.
When Comparing Insurance, Ask:
What does it cover?
Understand the main insured risks.
What does it exclude?
Exclusions can be just as important as benefits.
What are the limits?
Know the maximum amounts payable under the policy.
What excess applies?
Understand how much you may need to contribute.
Who is the insurer?
Know which company underwrites your policy.
How does the claims process work?
Understand where and how you report a claim.
Does GetCovered Recommend the Cheapest Insurance?
Not necessarily.
The cheapest policy is not automatically the most appropriate policy.
Consider two hypothetical motor insurance quotations:
| Policy A | Policy B
Premium | KSh 30,000 | KSh 36,000
Excess | KSh 20,000 | KSh 10,000
Protection | Lower | Higher
Extensions | Limited | More extensive
If you only compare the premium, Policy A appears better.
But once you consider the entire policy, the decision becomes more nuanced.
Insurance comparison should therefore focus on value, suitability and protection, not simply price.
How to Buy Insurance Online in Kenya
Step 1: Choose the Type of Insurance
Start by identifying what you need to protect.
You may need:
Car insurance- Motorcycle insurance
- Health insurance
- Travel insurance
- Life insurance
- Personal accident insurance
- WIBA insurance
- Business insurance
- Property insurance
- Marine insurance
- Goods in transit insurance
- Other specialised insurance
Step 2: Tell Us About Your Insurance Needs
Provide accurate information about the risk.
For example, motor insurance may require:
Registration number- Vehicle make and model
- Year of manufacture
- Vehicle value
- Usage
- Owner information
Business insurance may require:
Business activities- Location
- Assets
- Employees
- Turnover
- Risk information
Travel insurance may require:
Destination- Travel dates
- Traveller details
The information required varies by product.
Step 3: Compare Available Options
Where multiple suitable options are available, compare:
Premium- Insurer
- Benefits
- Limits
- Excess
- Exclusions
- Conditions
- Additional benefits
If you do not understand an important difference, ask before purchasing.
Step 4: Choose Your Policy
Select the policy that best matches your requirements and budget.
Do not choose solely because it is the cheapest.
Step 5: Make Payment
Use the authorised payment channel provided for your transaction.
Depending on the product and insurer, payment options may include:
M-Pesa- Card
- Bank transfer
- Other approved digital payment methods
Always verify payment instructions.
Step 6: Receive Your Documents
Depending on the insurance product, documents may be delivered electronically.
These may include:
Certificate- Policy schedule
- Policy wording
- Receipt
- Other relevant documentation
Check your documents carefully.
What Should You Check Before Paying?
Before you complete an insurance purchase, make sure you know:
The name of the insurance company- The type of policy
- The policy period
- The premium
- The sum insured or benefit limits
- The major exclusions
- The excess
- Important conditions
- How to make a claim
- How you will receive your documents
- Who to contact for support
Most importantly:
Make sure the information you provided is accurate.
Never deliberately provide incorrect information to obtain a lower premium.
How to Verify Your Insurance
After purchasing insurance online, do not simply assume everything is correct.
Check your documents.
1. Check the insurer
Make sure the insurance company named on your documentation is the company you expected.
2. Check your personal details
Your name and other relevant information should be accurate.
3. Check your policy dates
Make sure the effective date and expiry date are correct.
4. Check the premium
Confirm that the amount shown matches the amount you paid.
5. Check your cover
Confirm the sum insured, benefits and relevant extensions.
6. Keep your payment confirmation
Save your M-Pesa, card or bank payment confirmation.
7. Ask if Anything Looks Wrong
If your certificate or policy contains incorrect information, contact the relevant insurance provider or intermediary immediately.
Buying Motor Insurance Online
Motor insurance is one of the most common insurance products purchased online in Kenya.
Before purchasing, determine whether you require third-party or comprehensive cover.
Third-Party Motor Insurance
Third-party insurance provides protection for specified third-party liabilities under applicable law and policy terms.
It does not automatically provide comprehensive protection for your own vehicle.
Comprehensive Motor Insurance
Comprehensive motor insurance generally provides broader protection, subject to the policy wording, limits, exclusions and conditions.
Depending on the policy, this may include specified protection against:
Accidental damage- Theft
- Fire
- Third-party liabilities
- Additional extensions
Comprehensive does not mean everything is automatically covered.
Read the policy.
[Get a Motor Insurance Quote]
Buying Health Insurance Online
Health insurance requires careful comparison.
Do not simply ask:
“How much is medical insurance?”
Ask:
What is the annual limit?- What is the inpatient limit?
- Is outpatient covered?
- Is maternity included?
- Are dental and optical benefits included?
- Which hospitals are on the panel?
- Are there waiting periods?
- How are pre-existing conditions treated?
- What sub-limits apply?
- What exclusions apply?
A lower premium may come with lower limits or fewer benefits.
Compare the actual protection.
Buying Travel Insurance Online
Travel insurance can often be arranged digitally, making it convenient for travellers.
Before buying, check:
Destination- Travel dates
- Medical benefits
- Emergency evacuation
- Baggage benefits
- Personal accident benefits
- Travel delay
- Cancellation
- Exclusions
- Benefit limits
Do not wait until you are travelling to discover what your policy covers.
Buying Motorcycle Insurance Online
If you own or operate a motorcycle, make sure the insurance information accurately reflects how the motorcycle is used.
This is especially important if the motorcycle is used for:
Delivery- Courier services
- Passenger transport
- Commercial activities
Providing inaccurate usage information simply to obtain a cheaper premium can create problems when a claim occurs.
[Get Motorcycle Insurance]
Buying WIBA Insurance Online
Businesses should understand their responsibilities under Kenya's applicable workplace injury legislation.
WIBA insurance relates to work injury benefits for employees in accordance with the applicable law and insurance policy.
Depending on the insurer, the quotation process may require information such as:
Number of employees- Employee categories
- Wages
- Business activities
- Location
- Other underwriting information
If you are unsure about your requirements, speak with an insurance professional.
[Get a WIBA Quote]
Buying Business Insurance Online
Business insurance should begin with a risk assessment.
Ask:
What could financially damage my business?
Depending on your industry, this could include:
Fire- Theft
- Property damage
- Public liability
- Professional liability
- Employee injuries
- Motor risks
- Goods in transit
- Marine risks
- Business interruption
- Equipment failure
- Other specialised risks
A logistics business and a professional consultancy do not have the same insurance requirements.
The right business insurance is therefore the one that addresses the risks relevant to your business.
What Happens When You Need to Make a Claim?
Insurance is most valuable when something goes wrong.
If you experience an insured event:
1. Protect yourself and others
Deal with immediate safety and emergency needs first.
2. Notify the relevant authorities where required
Some incidents may require police reports or other official documentation.
3. Notify your insurer promptly
Follow the notification requirements contained in your policy.
4. Preserve evidence
Keep relevant:
Photographs- Videos
- Reports
- Receipts
- Medical documents
- Police documents
- Repair estimates
- Correspondence
5. Follow the claims process
Your insurer may require additional documentation, assessment or inspection.
6. Keep copies of everything
Maintain a record of your claim and communications.
What If Your Claim Is Rejected?
A claim rejection should be understood rather than simply accepted or assumed to be unfair.
Ask the insurer:
Why was the claim declined?
Which part of the policy applies?
Is additional information required?
Is there a review or complaints process?
If you purchased your policy through GetCovered, you can also contact us for assistance in understanding the issue and communicating with the relevant insurer.
Where appropriate, customers may also use the relevant regulatory or dispute-resolution channels available in Kenya.
Insurance Is a Contract — Not a Promise That Everything Will Be Paid
This is one of the most important things every insurance customer should understand.
When you buy insurance, you enter into a contract.
The policy specifies:
What is insured- What risks are covered
- What the insurer will pay
- The applicable limits
- Exclusions
- Conditions
- Your obligations
- Claims requirements
Therefore:
A policy does not cover everything.
A quotation is not necessarily confirmation of cover.
A certificate does not override the policy terms.
A claim must fall within the applicable coverage.
This is why reading your policy matters.
Why Transparency Is the Foundation of Financial Security
Insurance exists because unexpected events can create significant financial consequences.
A car accident can create repair costs.
A medical emergency can create healthcare expenses.
A fire can destroy business assets.
A workplace accident can affect an employee and employer.
A trip can be disrupted by unexpected events.
Insurance helps transfer specified financial risks according to the terms of the policy.
But that protection only works when customers understand what they have purchased.
That is why we believe transparency is not simply a marketing principle.
It is part of responsible insurance distribution.
Our Commitment to Regulatory Compliance
Our insurance intermediary activities operate within the Kenyan insurance regulatory framework.
We maintain the applicable regulatory and corporate credentials required for our operations and provide customers with information that enables them to understand who they are dealing with.
Insurance Regulation
Our insurance intermediary activities are subject to the applicable requirements of the Insurance Regulatory Authority.
IRA Licence: IRA/05/45715/2026
Corporate Registration
Registered Entity: Getcovered Kenya
Data Protection
We process customer information in accordance with applicable data protection requirements, including the Data Protection Act, 2019.
Physical Presence
Methodist Ministries, Oloitoktok Road, Nairobi, Kenya
Official Contact
Email: compliance@getcoveredkenya.com
Phone: 075849207
Contact Our Compliance Team
If you have questions about our:
Regulatory status- IRA licence
- Corporate registration
- Insurance intermediary activities
- Data protection practices
- Customer complaints
- Compliance procedures
you can contact our compliance team.
Compliance Email: compliance@getcoveredkenya.com
Official Line: 075849207
Physical Office: Methodist Ministries, Oloitoktok Road, Nairobi, Kenya
We encourage customers to ask questions.
Transparency works both ways.
Frequently Asked Questions About Buying Insurance Online in Kenya
Is It Safe to Buy Insurance Online in Kenya?
Yes, provided you use a legitimate insurance provider or intermediary and verify the insurer, policy and payment details. The Insurance Regulatory Authority provides regulatory information that consumers can use for verification.
Is GetCovered Kenya an Insurance Company?
GetCovered's published information describes the platform as an insurance aggregator/intermediary rather than the insurance company underwriting the policy.
The insurer providing the actual insurance cover should be identified in your policy documentation.
Is GetCovered Licensed?
GetCovered publishes its current IRA licence information as IRA/05/45715/2026. Customers should independently verify current licensing information through the Insurance Regulatory Authority.
Who Provides My Insurance Policy?
The relevant licensed insurance company underwriting your policy provides the underlying insurance contract. GetCovered assists with the insurance transaction as an intermediary.
Can I Compare Insurance Companies Through GetCovered?
Where multiple suitable insurers are available for the particular product, GetCovered can help customers compare available insurance options.
Availability varies by product and underwriting requirements.
Is the Cheapest Insurance the Best?
No.
Compare the premium together with benefits, limits, exclusions, excesses, conditions and insurer.
Can I Pay for Insurance Using M-Pesa?
Depending on the product and insurer, digital payment options such as M-Pesa may be available.
Always confirm the authorised payment instructions before paying.
Can I Receive My Insurance Certificate Digitally?
For products supporting digital issuance, documents may be delivered electronically.
Always check that the document identifies the correct insurer, policy number and period of cover.
How Do I Know My Insurance Is Genuine?
Verify the insurer, policy information, certificate details and payment trail. Where applicable, use the insurer's official verification process.
What Happens if I Need to Make a Claim?
Notify the insurer according to the policy requirements, provide the required documentation and follow the claims process.
If you purchased through GetCovered, you can also contact us for assistance.
What if I Don't Understand My Policy?
Ask before paying.
Insurance should not be purchased based on assumptions.
Does GetCovered Protect My Personal Information?
GetCovered processes customer information in accordance with applicable data protection requirements and its Privacy Policy.
Read the full Privacy Policy for details about how information is collected, used, stored and shared.
Can I Trust an Online Insurance Platform?
Do not rely on trust alone.
Verify its regulatory status, corporate identity, insurance partners, contact information and policies.
That is why GetCovered provides regulatory and corporate information and encourages customers to independently verify important credentials.
Before You Buy Insurance Online
Use this checklist:
Identify what you want to insure.- Identify the type of insurance you need.
- Confirm who is arranging the insurance.
- Confirm the actual insurance company underwriting the policy.
- Check the premium.
- Compare benefits.
- Check limits.
- Check exclusions.
- Understand the excess.
- Check the policy period.
- Confirm the payment instructions.
- Keep your payment confirmation.
- Receive and check your policy documents.
- Know how to make a claim.
- Keep your policy documents safely.
- Verify regulatory information where appropriate.
Ready to Buy Insurance Online?
You don't need to visit multiple insurance offices to start exploring your options.
Start online.
Tell us what you want to protect, compare available options and get assistance understanding your choices.
Whether you need:
Motor Insurance
Health Insurance
Travel Insurance
Motorcycle Insurance
Life Insurance
WIBA Insurance
Personal Accident Insurance
Business Insurance
or another type of cover, GetCovered can help you start the process.
Compare. Understand. Choose. Get Covered.
Important Insurance and Regulatory Disclaimer
Insurance products are subject to the terms, conditions, exclusions, limits and underwriting requirements of the applicable insurance policy.
Information presented on this page is provided for general informational purposes and should not be interpreted as a guarantee that a particular policy will be available, issued or accepted by an insurer.
A quotation does not necessarily constitute confirmation of insurance cover.
Cover becomes effective in accordance with the applicable policy terms and the insurer's confirmation and requirements.
Customers should read the applicable policy wording, schedule and certificate before relying on the cover.
GetCovered acts in its applicable capacity as an insurance intermediary and is not the insurer underwriting the policy.
The applicable insurer is responsible for the insurance contract and assessment of claims in accordance with the policy terms.
Regulatory licensing information should be independently verified through the Insurance Regulatory Authority of Kenya.
For information about how personal data is collected, used, stored and shared, please review the GetCovered Privacy Policy.