- Author: Raymond
- Category: Insurance in Kenya
Insurance Jargon Explained in Simple Swahili & English — Because We All Deserve to Understand What We’re Paying For
Ever sat in front of an insurance form, nodding like you understand, but deep down you’re just saying “Aki hii maneno ni ngumu!”
You’re not alone. Insurance language can sound like rocket science, but truth is — it’s just English (and Swahili) with attitude.
Let’s decode it Imana Insurance style — simple, clear, and Kenyan.
1. Premiums
This is the amount of money you pay for your insurance policy — monthly, quarterly, or yearly.
In short: Premium = gharama ya bima yako.
✅ Example:
If your car premium is KSh 15,000 per year, that’s what you pay to keep your insurance active.
2. Deductible (or Excess)
This is the small part of a loss you pay yourself before your insurer steps in.
In Swahili: Ni kiasi unacholipa wewe mwenyewe kabla kampuni ya bima ianze kulipa hasara.
✅ Example:
If your car repair costs KSh 100,000 and your excess is 10%, you’ll pay KSh 10,000 and your insurer pays the remaining KSh 90,000.
💡 Tip: You can buy Excess Protector from Imana Insurance Kenya to reduce or eliminate that amount. #SmartMove
3. Co-Pay
Mostly used in medical insurance, it means you and the insurance company share the bill.
✅ Example:
If your hospital visit costs KSh 2,000 and your co-pay is 10%, you pay KSh 200, insurer pays KSh 1,800.
Simple, right? #MedicalInsuranceMadeEasy
4. Third-Party Insurance
This one protects other people, not your car.
If you hit someone’s vehicle or cause injury, your insurer pays for their loss — not yours.
In Swahili: Third-party inalinda wengine, si wewe.
That’s why it’s the minimum cover required by law in Kenya.
💸 Prices start from around KSh 4,560 for private cars.
Compare and buy yours online via www.imana.co.ke
or www.mykava.co.ke
.
#ThirdPartyInsurance #KenyaCarInsurance
5. Comprehensive Insurance
The big boss of motor insurance — it covers your car, other cars, and even theft, fire, or vandalism.
Comprehensive = everything included.
If you love peace of mind and your car, this is your cover.
👉 Compare, Save & Buy with Imana Insurance Kenya Ltd for instant certificates in 15 minutes.
#ComprehensiveCarInsurance #ImanaInsurance #CompareBuySave
6. Political Violence & Terrorism Cover (PV&T)
Yes, this is a real thing — especially in Kenya.
It protects your property, car, or business against loss or damage caused by riots, strikes, terrorism, or political unrest.
In Swahili: Hii inalinda mali yako iwapo kutatokea ghasia za kisiasa, uharibifu au ugaidi.
It’s often an optional add-on — ask your insurer if it’s included.
7. Claim
This is how you ask your insurer to pay when something goes wrong.
In Swahili: Kutoa claim ni kuomba kampuni ya bima ikufidie hasara.
✅ Example:
If your car is involved in an accident, you report to your insurer and fill a claim form.
The insurer then assesses, approves, and pays for the repair.
💡 Pro Tip: Imana Insurance helps you handle claims faster and stress-free — because peace of mind shouldn’t take forever.
#InsuranceClaimsKenya #ImanaAssists
8. Policy
This is your insurance contract — the agreement that spells out what’s covered and what’s not.
In Swahili: Ni mkataba kati yako na kampuni ya bima.
Always read it (or ask Imana’s experts to break it down for you).
9. Endorsement
This means making changes to your policy — maybe you changed your car, address, or coverage type.
Think of it like editing your agreement midstream.
Insurance Wisdom
Insurance is not a trap — it’s protection for life’s unexpected turns.
When you understand the terms, you make smarter choices and save more.
And when you’re ready to compare covers — from motor, health, WIBA, travel, personal accident, COMESA yellow card, and more —
👉 Talk to the experts at Imana Insurance Kenya Ltd or MyKava Online Insurance Shop.
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810 | 0796209402
💬 WhatsApp for instant quotes and certificate in 15 minutes.
