• Author: Raymond
• Category: Compare Insurance Quotations In Kenya

Motor, Medical & WIBA Insurance Guide Kenya | Imana Insurance

Compare motor insurance quotes, find medical cover for parents over 60, get WIBA & COMESA Yellow Card insurance in Kenya. Expert tips from Imana Insurance Agency.  

Your Insurance Checklist: Motor, Medical, WIBA & COMESA Cover Made Simple (Kenya)

 
Whether you're renewing your car insurance, shopping for medical cover for an aging parent, or running a small business in Nairobi, choosing the right insurance policy in Kenya doesn't have to be complicated. At Imana Insurance Agency Kenya Ltd, we've put together this practical guide covering the most common insurance questions Kenyans are asking right now — from motor insurance renewals to COMESA Yellow Cards and what to do if you're ever in an accident.
 
Let's get into it.
 

1. Compare Motor Insurance Quotes Before Renewing

 
Auto-renewing your motor insurance without shopping around is one of the most common (and costly) mistakes Kenyan car owners make. Premiums, excess levels, and add-on benefits vary significantly between insurers, and last year's "best deal" may not be this year's.
 
Before your policy expires, take a few minutes to compare quotes from multiple underwriters side by side. Look beyond the premium alone — check the excess protector, courtesy car benefits, PSV/private use terms, and claim settlement track record.
 
Get free, instant motor insurance quotes from top Kenyan insurers here: www.imana.co.ke/motor-quote
 

2. Medical Insurance for Parents Above 60

 
Finding affordable, comprehensive medical cover for parents or elderly relatives over 60 is a growing concern for many Kenyan families. Most standard medical covers either exclude older applicants or come with steep premiums and long waiting periods for pre-existing conditions.
 
When shopping for a senior medical plan, prioritize:
 

• Inpatient and outpatient limits that reflect realistic hospital costs
• Pre-existing condition coverage (even if phased in over time)
• Chronic illness management — diabetes, hypertension, and arthritis cover
• No unnecessary age-based exclusions

Imana works with leading insurers in Kenya to source medical plans specifically suited to older applicants, so your parents get real protection, not just a policy document.
 
Explore senior-friendly medical insurance options: www.imana.co.ke/insurance/health-insurance
 

3. One-Month Third-Party Motor Insurance

 
Not everyone needs a full annual cover. If you're borrowing a car, driving short-term, using a vehicle for a temporary job, or simply testing the waters before committing to a longer policy, a one-month third-party motor insurance cover is a flexible, affordable option.
 
This short-term cover:
 

• Meets the legal minimum requirement to drive on Kenyan roads
• Covers third-party injury and property damage claims
• Is ideal for temporary vehicle use, visiting drivers, or seasonal needs
• Can be renewed monthly or upgraded to a full annual policy later

If you need quick, short-term motor cover without long-term commitment, talk to the Imana team about setting up a one-month third-party policy that fits your exact dates.
 

4. WIBA Insurance for Nairobi SMEs

 
If you run a small or medium-sized business in Nairobi with even one employee, Work Injury Benefits Act (WIBA) insurance is a legal requirement, not an optional extra. WIBA cover protects your business from the financial burden of compensating employees injured, disabled, or killed in the course of their employment.
 
For Nairobi SMEs — from retail shops to construction contractors, salons to logistics firms — WIBA insurance:
 

• Keeps you compliant with Kenyan labour law
• Protects your business from costly, unbudgeted compensation claims
• Covers medical expenses, disability benefits, and death benefits for employees
• Builds trust with staff and clients alike

Don't wait for a labour inspection or a workplace incident to get covered.
 
Get WIBA insurance tailored for your SME: www.imana.co.ke/insurance/wiba-insurance
 

5. How to Get a COMESA Yellow Card

 
Planning to drive across borders into Uganda, Tanzania, Rwanda, Burundi, or other COMESA member states? Your local Kenyan motor insurance policy does not cover you once you cross an international border — you need a COMESA Yellow Card.
 
Here's how the process generally works:
 

1. Confirm your vehicle has valid, active local motor insurance
2. Apply for the COMESA Yellow Card through a licensed agency (like Imana)
3. Provide your logbook, insurance certificate, and ID/passport details
4. Receive your Yellow Card, valid across all COMESA member countries for the chosen duration
5. Carry the card alongside your local insurance documents when crossing borders

The COMESA Yellow Card protects you against third-party liability claims in any of the participating countries, so you're not left exposed in the event of an accident abroad.
 
Apply for your COMESA Yellow Card here: www.imana.co.ke/comesa-insurance
 

6. What to Do After a Motor Accident

 
A motor accident is stressful enough without the confusion of "what happens next." Here's a simple step-by-step guide:
 

1. Ensure safety first — check for injuries and move to a safe location if possible
2. Call for help — alert emergency services if there are injuries
3. Don't admit fault at the scene — let the facts and your insurer determine liability
4. Take photos and gather evidence — damage, license plates, road conditions, and witnesses
5. Exchange details — driver's license, insurance certificate, and vehicle registration with the other party
6. Report to the police — get an abstract report, especially for injury or major damage cases
7. Notify your insurer immediately — most policies require prompt notification to process a claim
8. Follow up on your claim — keep copies of all documents submitted

Having your insurer's claims line saved in your phone before you need it can save valuable time when it matters most.
 

7. Imana Insurance: Awards, Partnerships & Office Updates

 
At Imana Insurance Agency Kenya Ltd, we're continually working to strengthen our partnerships with leading underwriters and improve how we serve individuals, families, and businesses across Kenya. We regularly update our clients on new insurer partnerships, recognitions within the industry, and improvements to our offices and digital platforms — all aimed at making it faster and easier for you to get the right cover.
 
For the latest news on our partnerships, awards, and office updates, visit our website or get in touch with our team directly.
  

Get Covered With Imana Today

 
From motor and medical insurance to WIBA and COMESA Yellow Cards, Imana Insurance Agency Kenya Ltd makes it simple to compare, choose, and manage the right cover for you, your family, or your business.
 

• 🌐 Visit us at: www.imana.co.ke
• 🌐 Compare and manage your policies digitally via MyKava: www.mykava.co.ke

Get in touch today for a free, no-obligation quote.