- Author: Raymond
- Category: Insurance Management Kenya
Insurance in Kenya | Motor, Medical, WIBA, PSV & More | Imana Insurance
Explore insurance in Kenya with Imana Insurance Agency Kenya Ltd. Compare motor, medical, corporate, WIBA, PSV, travel, motorcycle, COMESA, marine, life and Professional Indemnity insurance solutions.
Insurance can feel complicated when every product has different limits, exclusions, pricing structures and claims procedures.
At Imana Insurance Agency Kenya Ltd, the goal is to make insurance easier to understand and easier to compare.
Individuals, families, SMEs and corporate organisations can explore multiple insurance categories through one intermediary and choose cover according to their actual needs.
Whether you are looking for:
- Motor Insurance
- Medical Insurance
- Corporate Insurance
- WIBA
- PSV Insurance
- Travel Insurance
- Motorcycle Insurance
- COMESA Yellow Card
- Marine Cargo Insurance
- Life Insurance
- Last Expense
- Professional Indemnity
Imana provides insurance information, quotation support and policy guidance across these categories.
Imana Insurance Agency Kenya Ltd:
https://www.imana.co.ke
MyKava Travel & Insurance:
https://www.mykava.co.ke
Learn. Compare. Get a Quote. Buy. Claim. Renew—with Imana.
1. Motor Insurance Quotations in Kenya
Motor Insurance is one of the most common insurance products in Kenya.
Vehicle owners can compare quotations for:
- Private cars
- Commercial vehicles
- PSVs
- Motorcycles
- Tuk-Tuks
- School buses
- Tour vehicles
- Fleet vehicles
Depending on the vehicle and insurer, available options may include:
- Comprehensive Motor Insurance
- Third Party Only
- Third Party Fire and Theft
Comprehensive Motor Insurance
Comprehensive cover may include:
- Accidental damage
- Fire
- Theft
- Third-party liability
- Flood
- Other insured risks and extensions
Third Party Insurance
Third Party cover mainly protects against eligible liabilities involving other people and their property.
It does not ordinarily pay for accidental damage to your own vehicle.
What should you compare?
When comparing Motor Insurance quotations, check:
- Premium
- Vehicle value
- Excess
- Excess Protector
- PVT
- Windscreen limit
- Courtesy car
- Road rescue
- Claims process
Get a Motor Insurance quotation
https://www.imana.co.ke/motor-quote
2. Medical Insurance Quotations in Kenya
Medical Insurance can be arranged for:
- Individuals
- Families
- Children
- Senior citizens
- SMEs
- Corporate groups
Medical policies may include:
- Inpatient
- Outpatient
- Maternity
- Dental
- Optical
- Chronic-condition treatment
- Cancer benefits
- Renal benefits
- Last Expense
The important thing is not to compare premium alone.
Check:
- Hospital network
- Co-payments
- Waiting periods
- Age limits
- Benefit sublimits
- Family structure
- Chronic-condition provisions
Medical Insurance Quotations
https://www.imana.co.ke/insurance/health-insurance
3. Corporate Insurance in Kenya
Corporate Insurance is not one single policy.
It is usually a combination of covers designed to protect:
- Employees
- Assets
- Business income
- Liability
- Vehicles
- Technology
- Cargo
- Professional services
A corporate insurance programme may include:
- WIBA
- Group Personal Accident
- Group Life
- Group Medical
- Professional Indemnity
- Public Liability
- Fire Insurance
- Business Interruption
- Cyber Insurance
- Motor Fleet
- Marine Insurance
The right programme depends on the organisation’s actual risk profile.
Corporate Insurance
https://www.imana.co.ke/insurance/corporate-insurance
4. WIBA Insurance in Kenya
WIBA Insurance helps employers manage qualifying liabilities arising from work-related injuries and occupational diseases.
It is relevant to:
- SMEs
- Corporates
- Construction companies
- Schools
- Restaurants
- Hospitals
- Security companies
- Logistics businesses
- Professional firms
A WIBA quotation may depend on:
- Number of employees
- Occupations
- Annual payroll
- Nature of work
- Work locations
- Claims history
Employers should keep employee and payroll information up to date.
WIBA Insurance
https://www.imana.co.ke/insurance/wiba-insurance
5. PSV and Matatu Insurance in Kenya
PSV means Public Service Vehicle.
A matatu is a PSV, but PSV is broader than matatu.
PSV categories may include:
- Matatu
- Bus
- School bus
- Staff bus
- Taxi
- Uber and Bolt
- Private hire
- Tour van
- Shuttle
Insurance depends on the declared use of the vehicle.
PSV cover may be arranged as:
- Comprehensive
- Third Party
Passenger Legal Liability is also an important consideration because PSVs carry passengers.
PSV and Matatu Insurance
https://www.imana.co.ke/psv-insurance
6. Travel Insurance in Kenya
Travel Insurance can protect travellers against specified risks during local or international trips.
It may be suitable for:
- Holiday travellers
- Business travellers
- Students
- Families
- Senior travellers
- Corporate travellers
Benefits may include:
- Emergency medical expenses
- Medical evacuation
- Repatriation
- Trip cancellation
- Baggage loss
- Travel delay
- Passport loss
Travel Insurance requirements vary according to:
- Destination
- Traveller age
- Trip duration
- Visa requirements
Travel Insurance
https://www.imana.co.ke/insurance/travel-insurance
MyKava Travel & Insurance
7. Motorcycle Insurance in Kenya
Motorcycle Insurance can be arranged for different uses.
These may include:
- Private motorcycles
- Commercial motorcycles
- Delivery motorcycles
- PSV boda bodas
The correct use must be declared.
A boda boda used for passenger transport should not be insured as a purely private motorcycle.
Depending on the insurer and vehicle, cover may be:
- Comprehensive
- Third Party
Motorcycle Insurance
https://www.imana.co.ke/motorcycle-insurance
8. COMESA Yellow Card Insurance
The COMESA Yellow Card is a regional motor Third Party Insurance system for cross-border travel within participating countries.
It can be relevant to:
- Private motorists
- Commercial vehicles
- Motorcycles
- Tour operators
- Cross-border transport businesses
The Yellow Card should not automatically be confused with Comprehensive Motor Insurance.
A motorist may require:
Comprehensive Motor Insurance + COMESA Yellow Card
for broader protection.
COMESA Yellow Card
https://www.imana.co.ke/comesa-insurance
9. Marine Cargo Insurance in Kenya
Marine Cargo Insurance protects eligible goods while they are being transported.
It may be relevant to:
- Importers
- Exporters
- Manufacturers
- Traders
- Logistics businesses
- Contractors
Marine Cargo may protect goods moving by:
- Sea
- Air
- Road
- Rail
depending on the policy.
Common insured items include:
- Machinery
- Electronics
- Raw materials
- Finished goods
- Commercial stock
- Construction equipment
Businesses importing regularly may also consider annual Marine Open Cover arrangements.
10. Life and Last Expense Insurance
Life Insurance provides financial protection to dependants when an insured person dies, subject to the policy.
Life Insurance can help with:
- Household expenses
- School fees
- Loans
- Mortgage obligations
- Long-term family financial planning
Last Expense Insurance
Last Expense Insurance is designed to help meet funeral-related costs.
It may be arranged for:
- Individuals
- Families
- Groups
- Employees
Life Insurance and Last Expense serve different purposes.
A household may consider both.
11. Professional Indemnity Insurance in Kenya
Professional Indemnity Insurance protects eligible professionals and businesses against claims arising from professional negligence, errors or omissions.
It may be relevant to:
- Lawyers
- Accountants
- Consultants
- Architects
- Engineers
- Doctors
- Medical facilities
- Valuers
- Technology companies
- Project managers
Typical claims may involve allegations of:
- Incorrect advice
- Professional negligence
- Errors
- Omissions
- Failure to perform professional duties
Important things to compare include:
- Limit of indemnity
- Excess
- Retroactive date
- Territorial jurisdiction
- Defence costs
- Exclusions
Professional Indemnity Insurance
https://www.imana.co.ke/professional-indemnity
Why Compare Insurance Quotations?
Insurance companies may price the same risk differently.
But comparison should not focus only on premium.
You should compare:
- Sum insured
- Benefits
- Excesses
- Sublimits
- Exclusions
- Waiting periods
- Claims requirements
- Optional extensions
- Territorial scope
The cheapest quotation is not always the best value.
A low premium can become expensive when a claim reveals what the policy did not include.
Insurance for Individuals
Individuals may require:
- Motor Insurance
- Medical Insurance
- Life Insurance
- Travel Insurance
- Personal Accident
- Last Expense
The right mix depends on:
- Income
- Dependants
- Assets
- Health needs
- Travel habits
- Financial obligations
Insurance should be built around the individual’s actual risk.
Insurance for Families
Families may consider:
- Family Medical Insurance
- Motor Insurance
- Home Insurance
- Life Insurance
- Personal Accident
- Travel Insurance
- Last Expense
A family should think about both:
- Everyday risks
- Large unexpected financial losses
The goal is not to insure everything.
It is to protect against risks that could seriously affect the household financially.
Insurance for SMEs
SMEs may need:
- WIBA
- Commercial Motor
- Fire Insurance
- Business Interruption
- Public Liability
- Cyber Insurance
- Professional Indemnity
- Medical Insurance
- Marine Cargo
The insurance programme should evolve as the business grows.
A company that begins with three employees and one vehicle may later have:
- Twenty employees
- Several vehicles
- Expensive machinery
- Customer data
- Imported stock
The insurance should change with the business.
Insurance for Corporate Organisations
Corporate organisations may require a structured combination of:
- Group Medical
- Group Life
- WIBA
- GPA
- Motor Fleet
- Property Insurance
- Business Interruption
- Marine
- Cyber
- Professional Indemnity
- Public Liability
Corporate Insurance should be reviewed regularly as:
- Payroll changes
- Assets increase
- New branches open
- Business activities change
- New risks emerge
How to Get an Insurance Quote Through Imana
Step 1: Identify the insurance need
For example:
- Motor
- Medical
- WIBA
- Travel
- Corporate
- Marine
Step 2: Provide accurate information
The quotation depends on the risk information supplied.
Step 3: Compare options
Review both:
- Premium
- Policy terms
Step 4: Select suitable cover
Choose according to:
- Risk
- Budget
- Required benefits
Step 5: Buy and keep your documents
Retain:
- Policy
- Certificate
- Receipt
- Quotation
- Important correspondence
Step 6: Know the claims process
Insurance is most valuable when a claim happens.
Frequently Asked Questions
Where can I get Motor Insurance quotations?
Visit:
https://www.imana.co.ke/motor-quote
Where can I compare Medical Insurance?
Visit:
https://www.imana.co.ke/insurance/health-insurance
Does Imana offer Corporate Insurance?
Yes.
Visit:
https://www.imana.co.ke/insurance/corporate-insurance
Does Imana offer WIBA Insurance?
Yes.
Visit:
https://www.imana.co.ke/insurance/wiba-insurance
Is PSV the same as matatu?
No.
Matatu is one category of PSV.
Can I insure Uber or Bolt vehicles?
Yes, subject to appropriate PSV or taxi classification and insurer underwriting.
Does Imana offer Travel Insurance?
Yes.
Visit:
https://www.imana.co.ke/insurance/travel-insurance
You can also explore:
Can boda bodas get insurance?
Yes. Motorcycle Insurance can be arranged according to the actual motorcycle use.
What is COMESA Yellow Card Insurance?
It is a regional Third Party Motor Insurance system for cross-border travel in participating countries.
What is Marine Cargo Insurance?
It protects eligible goods during transit subject to policy terms.
Who needs Professional Indemnity?
Professionals and companies that provide advice, design, consulting or other professional services should consider it.
Imana Insurance Agency Kenya Ltd: Insurance Knowledge, Comparison and Quotation Hub
Imana Insurance Agency Kenya Ltd brings together multiple insurance categories in one place.
Customers can explore:
Motor
https://www.imana.co.ke/motor-quote
Medical
https://www.imana.co.ke/insurance/health-insurance
Corporate
https://www.imana.co.ke/insurance/corporate-insurance
WIBA
https://www.imana.co.ke/insurance/wiba-insurance
PSV
https://www.imana.co.ke/psv-insurance
Travel
https://www.imana.co.ke/insurance/travel-insurance
Motorcycle
https://www.imana.co.ke/motorcycle-insurance
COMESA Yellow Card
https://www.imana.co.ke/comesa-insurance
Professional Indemnity
https://www.imana.co.ke/professional-indemnity
Main Website
MyKava
The Bottom Line
Insurance in Kenya is much broader than Motor Insurance alone.
Individuals, families and businesses may need several different forms of protection.
The key categories include:
- Motor – vehicles
- Medical – healthcare
- Corporate – business-wide protection
- WIBA – employee occupational risks
- PSV – passenger-service vehicles
- Travel – travel-related risks
- Motorcycle – private, commercial and boda boda
- COMESA – cross-border motor liability
- Marine – cargo and transit
- Life and Last Expense – family financial protection
- Professional Indemnity – professional liability
The smartest approach is not simply:
“Buy insurance.”
It is:
Understand the risk → Compare the options → Read the terms → Choose appropriate cover → Know how to claim.
Learn. Compare. Get a Quote. Buy. Claim. Renew—with Imana.
Imana Insurance Agency Kenya Ltd
https://www.imana.co.ke
MyKava Travel & Insurance
https://www.mykava.co.ke
Insurance premiums, limits, excesses, exclusions, eligibility requirements and underwriting conditions vary between insurers and products. Always obtain current quotations and review the applicable policy wording before purchasing cover.
