• Author: Raymond
• Category: Insurance in Kenya

100 Common Insurance Questions in Kenya | Find the Right Cover

Looking for insurance in Kenya? Get simple answers to 100 common questions about Motor, Medical, WIBA, PSV, Travel, Motorcycle, Business Insurance and claims, and learn where to compare quotations.

Insurance enquiries and comparisons:
https://imana.co.ke/

MyKava:
www.mykava.co.ke

Looking for Insurance in Kenya? Start Here

Finding insurance can be confusing.

You may know that you need cover, but not necessarily:

• Which type of insurance you need
• How much it should cost
• Which company to choose
• What documents are required
• What the policy actually covers
• Whether the cheapest quotation is really the best
• How to make a claim when something goes wrong

This guide answers 100 practical insurance questions people in Kenya commonly ask when looking for cover.

Whether you are insuring a car, a matatu, your family, your employees, your business or an upcoming trip, the goal is simple:

Understand what you need before you pay for it.

Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Corporate and other insurance classes.

You can begin your search at:

https://imana.co.ke/

Finding the Right Motor Insurance

1. Is Motor Insurance compulsory in Kenya?

Third Party Motor Insurance is generally required for qualifying vehicles used on Kenyan roads.

It provides the minimum required protection against certain liabilities involving other road users.

2. What is Third Party Insurance?

Third Party Only, commonly called TPO, primarily protects you against eligible liability to other people.

It does not ordinarily pay for repairs to your own vehicle.

3. What is Comprehensive Car Insurance?

Comprehensive Motor Insurance provides wider protection.

Depending on the policy, it may cover:

• Accidental damage to your vehicle
• Theft
• Fire
• Third-party liabilities

Policy exclusions and excesses still apply.

4. What is Third Party Fire and Theft?

This sits between Third Party Only and Comprehensive cover.

It generally adds protection against:

• Theft of your vehicle
• Fire damage

but does not ordinarily cover accidental collision damage to your own car.

5. How much is Third Party Car Insurance in Kenya?

Private-car Third Party Insurance normally costs several thousand shillings annually.

The actual premium depends on:

• Vehicle category
• Insurer
• Policy period
• Applicable charges

6. How much is Comprehensive Car Insurance?

Comprehensive premiums are usually related to the vehicle's current value.

Insurers may also consider:

• Vehicle age
• Use
• Claims history
• Make and model
• Security requirements

7. How much is Comprehensive Insurance for a KSh 1 million car?

A useful working range for some private-car quotations is approximately:

KSh 30,000–45,000 annually

The final premium can differ.

8. How much is Comprehensive Insurance for a KSh 2 million car?

A useful working range is approximately:

KSh 60,000–90,000 annually

before final underwriting and optional benefits.

9. Should I buy Third Party or Comprehensive Insurance?

Ask yourself:

Could I comfortably repair or replace my vehicle myself after a major accident or theft?

If not, Comprehensive Insurance may make more financial sense.

10. What documents do I need for Motor Insurance?

Common requirements include:

• National ID or Passport
• KRA PIN
• Vehicle logbook
• Valuation where required for Comprehensive cover

Compare Motor Insurance Quotes

https://imana.co.ke/motor-quote

More Questions Car Owners Commonly Ask

11. Can I buy Car Insurance online?

Yes.

Insurance quotations, payment and policy documentation can often be handled digitally.

12. How quickly can I get an insurance certificate?

Certificates can often be processed quickly once:

• Documents are complete
• Payment has been made
• The insurer has accepted the risk

13. What is an insurance excess?

An excess is the amount you may have to contribute towards an admissible claim.

14. What is Excess Protector?

Excess Protector may reduce or remove specified excesses, depending on the insurer and policy wording.

15. Do I need a tracker?

Some insurers require trackers for:

• Higher-value vehicles
• Theft-prone models
• Certain Comprehensive policies

16. Can another person drive my insured car?

That depends on the driver's clause in your policy.

Some policies allow any authorised driver; others impose restrictions.

17. Does Comprehensive Insurance cover flood damage?

It may, depending on the policy wording and exclusions.

18. Does Motor Insurance cover political violence or riots?

It may require an additional extension commonly referred to as Political Violence and Terrorism (PVT).

19. What is a No Claim Discount?

It is a possible premium discount for claim-free insurance history.

20. What happens when I sell my insured vehicle?

Contact the insurer or intermediary so the policy can be:

• Cancelled
• Adjusted
• Replaced

according to the insurer's procedures.

PSV, Matatu, Taxi and Ride-Hailing Insurance

21. What does PSV mean?

PSV means Public Service Vehicle.

It includes vehicles carrying passengers for hire or reward, such as:

• Matatus
• Taxis
• Buses
• Ride-hailing vehicles

22. Does Uber or Bolt need different insurance from a private car?

Yes.

A vehicle being used to carry passengers for payment should be insured according to its actual PSV use.

23. How much is PSV Taxi Insurance?

Third Party PSV Taxi premiums usually cost more than ordinary private-car Third Party cover.

The exact rate varies by insurer and vehicle.

24. Can a taxi get Comprehensive Insurance?

Yes, subject to insurer appetite and underwriting.

25. How much is Third Party Insurance for a 14-seater Matatu?

On one current seat-capacity quotation card used for comparison, the observed annual premium for a 14-seater was:

KSh 88,357

Always confirm the current price before purchase.

26. Why is Matatu Insurance expensive?

Because Matatus:

• Carry multiple passengers
• Operate commercially
• Spend more time on the road
• Present higher passenger-liability exposure

27. Can I insure a Matatu for one month?

Some insurers offer short-term PSV options.

28. Can Matatu Insurance be paid in instalments?

Some insurers permit instalment arrangements.

Terms differ.

29. Does Third Party Matatu Insurance repair the Matatu?

No.

Third Party cover does not ordinarily repair your own vehicle after an accident.

30. Can a Matatu be insured comprehensively?

Yes, if an insurer is willing to accept the vehicle and risk.

Compare PSV Insurance

https://imana.co.ke/psv-insurance

Motorcycle and Boda Boda Insurance

31. Does a motorcycle need insurance?

Yes, motorcycles used on public roads require appropriate Motor Insurance.

32. Is Boda Boda Insurance different from private Motorcycle Insurance?

Yes.

A boda boda carries passengers for payment and should be insured for its actual use.

33. How much is Motorcycle Insurance?

The premium depends on whether the motorcycle is:

• Private
• Commercial
• Delivery
• PSV

34. Can motorcycles get Comprehensive Insurance?

Yes, depending on insurer appetite and motorcycle value.

35. Does Motorcycle Insurance cover theft?

Comprehensive Motorcycle Insurance may cover theft, subject to conditions.

Tuk-Tuk Insurance

36. Does a Tuk-Tuk need insurance?

Yes.

The correct insurance class depends on how it is being used.

37. Is a passenger Tuk-Tuk a PSV?

A Tuk-Tuk carrying passengers for hire should be insured according to passenger-use requirements.

38. How much does Tuk-Tuk Insurance cost?

Pricing depends on:

• Passenger use
• Commercial use
• Cover type
• Vehicle value

39. Can a Tuk-Tuk be insured comprehensively?

Yes, subject to insurer availability and underwriting.

40. Does Tuk-Tuk Insurance cover passengers?

Passenger liability should be specifically confirmed on the quotation and policy.

Medical Insurance in Kenya

41. What does Medical Insurance cover?

Depending on the plan, Medical Insurance may provide:

• Inpatient treatment
• Outpatient treatment
• Chronic-condition benefits
• Cancer treatment
• Renal treatment
• Maternity
• Dental
• Optical

42. How much is Medical Insurance?

The premium depends on:

• Age
• Benefits selected
• Inpatient limit
• Outpatient limit
• Number of people
• Insurer

43. What is inpatient Medical Insurance?

It covers eligible treatment when you are formally admitted to hospital.

44. What is outpatient Medical Insurance?

It covers eligible treatment received without hospital admission.

45. What is the difference between SHA and private Medical Insurance?

SHA is part of Kenya's social health-financing system.

Private Medical Insurance is a separate insurance contract with defined:

• Limits
• Hospital networks
• Benefits
• Conditions

46. Can I have SHA and private insurance together?

Yes.

Many people use private Medical Insurance alongside SHA.

47. Does Medical Insurance cover pre-existing conditions?

Some policies do, but may apply:

• Waiting periods
• Sublimits
• Underwriting requirements
• Exclusions

48. What is a waiting period?

It is the time after a policy begins during which some treatments or conditions are not yet covered.

49. Does Medical Insurance cover maternity?

Some plans do, subject to waiting periods and limits.

50. Does Medical Insurance cover cancer?

Some plans provide oncology benefits, but the limit may be different from the headline inpatient limit.

Finding Medical Insurance for Parents and Seniors

51. Can someone above 60 get Medical Insurance?

Yes.

There are Medical Insurance products designed for older customers.

52. Can a 70-year-old get Medical Insurance?

Yes, depending on the product's maximum entry age.

53. Can someone aged 75 get cover?

Some products allow new entry up to age 75.

54. What is entry age?

It is the maximum age at which someone can join a plan as a new customer.

55. What is renewal age?

It is the age up to which an existing member may continue renewing.

56. Does senior Medical Insurance cover diabetes?

Some plans provide chronic-condition benefits subject to:

• Waiting periods
• Limits
• Policy wording

57. Does senior Medical Insurance cover hypertension?

It may, depending on chronic-condition provisions.

58. Should I insure my elderly parents?

It can provide useful financial protection against unexpected hospital costs.

The appropriate decision depends on:

• Age
• Health
• Budget
• SHA benefits
• Preferred hospitals

59. Which hospitals can seniors use?

Each insurer has its own provider panel.

Always check hospitals near where the parent actually lives.

60. Where can I compare Medical Insurance?

Use:

https://imana.co.ke/mykava-product-quote

or:

https://imana.co.ke/insurance/health-insurance

WIBA Insurance for Employers

61. What is WIBA Insurance?

WIBA Insurance helps employers meet qualifying liabilities relating to workplace injury and occupational disease.

62. Is WIBA compulsory?

Employers should understand and comply with their obligations under Kenya's Work Injury Benefits framework.

63. Who needs WIBA?

Businesses that employ staff should assess whether WIBA applies to them.

64. Does WIBA cover casual workers?

Employers should disclose all relevant employee categories accurately when obtaining cover.

65. How much does WIBA cost?

The premium is influenced by:

• Payroll
• Employee numbers
• Job type
• Occupational risk

66. What information is needed for a WIBA quote?

Usually:

• Number of employees
• Annual payroll
• Job categories
• Nature of work

67. Is WIBA the same as Medical Insurance?

No.

Medical Insurance covers eligible healthcare costs.

WIBA addresses qualifying employment-related injury and occupational disease.

68. Is WIBA the same as Personal Accident?

No.

They are different forms of protection.

69. What is WIBA Plus?

Some insurers provide enhanced WIBA arrangements that include additional accident benefits.

70. Where can I compare WIBA Insurance?

https://imana.co.ke/insurance/wiba-insurance

Insurance for Businesses

71. What insurance does an SME need?

Depending on its operations, an SME may need:

• WIBA
• Property Insurance
• Stock Insurance
• Public Liability
• Motor Insurance
• Medical Insurance
• Group Life

72. What is Public Liability Insurance?

It protects against eligible legal liability for third-party injury or property damage arising from business operations.

73. What is Professional Indemnity Insurance?

It protects professionals against specified claims relating to:

• Negligent advice
• Errors
• Omissions

74. What is Contractors All Risk Insurance?

It provides protection for construction projects and associated risks, subject to policy terms.

75. What is Business Interruption Insurance?

It may protect against loss of income following an insured event that interrupts business operations.

76. Can a business insure stock?

Yes.

Stock can be insured against specified risks such as:

• Fire
• Flood
• Theft

depending on the policy.

77. Can a company insure all its vehicles together?

Businesses can arrange Motor Fleet Insurance depending on the insurer and fleet structure.

78. What is Group Medical Insurance?

It is Medical Insurance arranged for employees or members of an organisation.

79. What is Group Life Insurance?

It provides life benefits to insured employees or group members.

80. Can businesses compare several insurers?

Yes.

A business should ideally compare equivalent terms before selecting cover.

Travel Insurance

81. Do I need Travel Insurance?

Travel Insurance is useful for financial protection against specified problems occurring during travel.

Some destinations or visa applications may also require it.

82. What does Travel Insurance cover?

Depending on the policy:

• Emergency medical expenses
• Evacuation
• Repatriation
• Lost baggage
• Travel delay
• Trip cancellation

83. Does Travel Insurance work for Schengen visa applications?

Policies can be arranged according to applicable visa requirements.

Always confirm current embassy requirements.

84. Can I buy Travel Insurance online?

Yes.

Visit:

https://imana.co.ke/insurance/travel-insurance

85. What is COMESA Yellow Card Insurance?

COMESA Yellow Card is regional Motor Third Party Insurance for cross-border vehicle travel within participating territories.

It is not Travel Medical Insurance.

Claims Questions

86. How do I make an insurance claim?

Notify the insurer or intermediary as soon as reasonably possible.

Then provide the documents requested under the policy.

87. What documents are required for a Motor claim?

These may include:

• Police abstract
• Driving licence
• Logbook
• Photos
• Claim form
• Repair estimate

88. Who decides whether an insurance claim is paid?

The insurer determines claim admissibility based on:

• Policy wording
• Circumstances
• Evidence
• Documentation

89. Can an insurance claim be rejected?

Yes.

Possible reasons include:

• The loss is excluded
• Incorrect vehicle use
• Material non-disclosure
• Policy conditions were breached

Each case should be assessed individually.

90. Can an insurance agent help with claims?

An intermediary can help with:

• Documentation
• Communication
• Follow-up

The insurer still makes the final claim decision.

Finding and Buying Insurance

91. How can I compare Insurance Quotations online?

Provide the same risk information and compare:

• Premium
• Cover
• Limits
• Excesses
• Exclusions
• Insurer terms

92. Should I choose the cheapest insurer?

Not automatically.

The cheapest quotation may not offer the strongest overall value.

93. What should I check before paying for insurance?

Check:

• Insurer
• Correct class
• Period of cover
• Premium
• Limits
• Excesses
• Exclusions

94. How do I know whether an insurer is licensed?

Confirm current licensing through the Insurance Regulatory Authority.

95. What is the difference between an insurer and an insurance agency?

The insurer carries the financial risk.

The insurance agency helps arrange cover with insurers.

96. Can I buy insurance without visiting an office?

Many insurance products can now be arranged digitally.

97. Can I compare Insurance from outside Nairobi?

Yes.

Online processes can serve customers across Kenya depending on the insurance product.

98. Where can I find different types of insurance in one place?

You can begin at:

www.imana.co.ke

99. What if I do not know what insurance I need?

Explain the risk you are trying to protect.

For example:

“I have a construction business with 15 employees.”“I want Medical Insurance for my 70-year-old mother.”“I drive an Uber.”“I am travelling to Europe.”

An intermediary can then help identify the relevant insurance class.

100. Where can I compare Insurance Quotations in Kenya?

Start at:

www.imana.co.ke

Find Insurance by What You Need

If you are looking for Motor Insurance:

https://imana.co.ke/motor-quote

If you need Medical Insurance:

https://imana.co.ke/insurance/health-insurance

For MyKava Medical:

https://imana.co.ke/mykava-product-quote

If you are an employer looking for WIBA:

https://imana.co.ke/insurance/wiba-insurance

For PSV Insurance:

https://imana.co.ke/psv-insurance

For Travel Insurance:

https://imana.co.ke/insurance/travel-insurance

For other insurance requirements:

https://imana.co.ke/

How to Choose Insurance Without Getting Overwhelmed

You do not need to understand every insurance term before asking for help.

A practical process is:

1. Identify the risk. What are you trying to protect?
2. Choose the correct insurance class.
3. Provide accurate information.
4. Compare more than one suitable quotation where possible.
5. Read the important limits, excesses and exclusions.
6. Choose the option that gives suitable protection at a price you can afford.

The cheapest policy is not automatically the best.

The most expensive policy is not automatically the best either.

The goal is to buy insurance that properly fits the risk.

Why Compare Insurance Before Buying?

Different insurance companies may have different:

• Premiums
• Benefits
• Excesses
• Limits
• Underwriting appetite
• Claims processes

One company may suit your vehicle.

Another may offer stronger Medical Insurance terms.

Another may be more competitive for WIBA, PSV or Corporate Insurance.

Comparison helps you make a more informed decision.

How Imana Helps People Find Insurance in Kenya

Insurance customers often begin with a question rather than a policy name.

Someone might ask:

“How much does it cost to insure my car?”

Another asks:

“Can I insure my parents?”

A business owner asks:

“What insurance do I need for my employees?”

A Matatu owner asks:

“How much is Third Party Insurance for my vehicle?”

Imana Insurance Agency Kenya Ltd helps connect those questions to the appropriate insurance options.

The process can include:

• Understanding the risk
• Identifying the appropriate insurance class
• Comparing quotations
• Explaining important differences
• Coordinating policy placement
• Assisting with claims communication

The insurer remains responsible for underwriting and settling admissible claims.

Final Word: Insurance Should Start With the Right Question

Finding insurance becomes easier when you stop asking:

“Which policy should I buy?”

and begin with:

“What financial risk am I trying to protect myself against?”

Once that is clear, you can compare:

The right type of insurance → Suitable insurers → Policy benefits → Price

Whether you are looking for:

• Car Insurance
• Matatu Insurance
• Medical Insurance
• Insurance for parents
• WIBA
• Motorcycle Insurance
• Travel Insurance
• Business Insurance

you should understand the cover before making payment.

Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Corporate and other insurance classes.

Not sure where to start? Start with your question.

Visit www.imana.co.ke

MyKava:
www.mykava.co.ke

Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd

This guide is general information and does not constitute a policy, quotation or guarantee of cover. Insurance premiums, benefits, eligibility and underwriting requirements vary between insurers. Always review the final quotation, schedule and policy wording before purchasing cover.