- Author: Raymond
- Category: Insurance in Kenya
The Ultimate Insurance Q&A in Kenya (2025 Edition) — Answered by Imana Insurance Experts
From car and medical insurance to travel, WIBA, home, and business covers — here are the most asked insurance questions in Kenya, answered by the experts at Imana Insurance Agency Kenya Ltd.
MOTOR INSURANCE — Private, Commercial, PSV & Motorcycles
Q1. What is the difference between Comprehensive and Third-Party Only (TPO) insurance in Kenya?
A:
- Comprehensive Cover protects your vehicle and other people’s lives and property. It includes theft, fire, vandalism, riots, and floods.
- Third-Party Only (TPO) only covers injuries or property damage you cause to others.
👉 Imana’s Tip: Comprehensive is ideal for cars above KSh 500,000 value or financed vehicles. TPO suits budget and older vehicles.
Q2. How much does car insurance cost in Kenya?
A:
- Private car (TPO): From KSh 4,560 per year
- Commercial(TPO): From Ksh 5,063 per year
- PSV taxi (TPO): From KSh 7,574 per year
- Comprehensive: 3–5% of car value (from KSh 25,000+)
👉 Imana helps compare rates from top insurers instantly.
Q3. What happens if I’m involved in an accident?
A:
- Stop the car, secure the scene.
- Call the police (get abstract).
- Notify your insurer/agent within 24 hours.
- Take photos and witness contacts.
👉 Imana will assist you in lodging claims, coordinating assessors, and following up with underwriters.
Q4. Do I get a courtesy car while mine is being repaired?
A: Some insurers offer it as an optional add-on — ask your agent to include a Courtesy Car Benefit when buying comprehensive cover.
Q5. What’s COMESA Yellow Card Insurance?
A:
It’s a regional motor insurance valid across 13+ African countries (Uganda, Tanzania, Rwanda, DRC, Malawi, etc.).
It extends your Kenyan third-party cover when driving across borders.
👉 Imana issues it within 30 minutes — all digital.
MEDICAL INSURANCE — Individuals, Families, SMEs, and Corporates
Q6. What is covered under medical insurance in Kenya?
A: Most covers include:
- Inpatient (hospitalization)
- Outpatient (clinic visits)
- Dental & Optical
- Maternity, Evacuation, Chronic illnesses (optional)
👉 Plans start from as low as KSh 10,000 per year.
Q7. What documents do I need to apply for medical cover?
A:
- Copy of ID / Birth Certificate (for dependents)
- KRA PIN
- Passport photo
- Payment via Mpesa Paybill 7596117, use ID number as account name
Q8. Does SHA/SHIF (Social Health Authority) replace private medical insurance?
A: No. SHA is the government’s social health cover, but private medical insurance offers more hospital options, faster service, and higher limits.
👉 Imana’s advice: Keep both — SHA for basics, private for top-up.
Q9. Can I pay my medical cover in instalments?
A: Yes! Most insurers accept quarterly or semi-annual payments.
👉 Imana helps you access flexible premium financing options.
Q10. What happens if I’m admitted or visit a hospital not on my insurer’s list?
A: You’ll pay cash and seek reimbursement later. Always confirm the hospital network before treatment.
WIBA, GPA, & EMPLOYER LIABILITY
Q11. What is WIBA Insurance?
A: Work Injury Benefits Act (WIBA) insurance compensates employees injured or who die while on duty. It’s mandatory for all employers in Kenya.
Q12. What’s the difference between WIBA and GPA?
A:
- WIBA: Covers injuries at work.
- GPA (Group Personal Accident): Covers injuries anywhere, anytime.
👉 Most employers combine both — Imana can package them affordably.
Q13. How is compensation calculated under WIBA?
A: Based on employee’s salary, medical expenses, and disability percentage — guided by the Ministry of Labour schedule.
Q14. Do I need Employer’s Liability if I already have WIBA?
A: Yes. WIBA covers statutory benefits, while Employer’s Liability protects you from lawsuits filed by injured staff.
BUSINESS INSURANCE — SMEs, Shops, Factories & Offices
Q15. What types of business insurance do SMEs need in Kenya?
A:
- Fire & Burglary
- Goods in Transit
- WIBA & GPA
- Public Liability
- Fidelity Guarantee
👉 Imana offers bundled SME policies starting from KSh 15,000/year.
Q16. What is Fire Insurance?
A:
Protects your building, machinery, and stock from fire, explosion, or lightning.
Optional extensions include Riots, Strikes, and Political Violence.
Q17. What is Fidelity Guarantee Insurance?
A:
Covers financial losses caused by dishonest employees — common in offices and Saccos.
Q18. Does my business insurance cover floods or riots?
A:
Only if you have extensions added.
👉 Imana always recommends adding “Riot, Strike, and Flood” clauses.
TRAVEL INSURANCE — Local, Regional, and International
Q19. Is travel insurance mandatory for visa applications?
A:
Yes, for Schengen, UK, Canada, and UAE visas.
It covers medical emergencies, trip cancellations, and lost luggage abroad.
Q20. How long does it take to get travel insurance?
A:
Under 30 minutes. Imana issues embassy-compliant certificates instantly via WhatsApp or email.
Q21. Does travel insurance cover COVID-19 or pandemics?
A:
Yes — most international covers now include COVID-19 medical expenses and trip interruption.
HOME INSURANCE — Fire, Theft & Domestic Packages
Q22. What is covered under Home Insurance?
A:
- The building (against fire, flood, earthquake)
- Household contents (theft, damage)
- Domestic employees (medical and injury)
👉 Imana offers “Home Protect” packages for as low as KSh 5,000/year.
Q23. Can I insure my electronics and appliances separately?
A:
Yes, under the All Risks section — for items like phones, laptops, jewelry, cameras.
Q24. Does home insurance cover tenants or only homeowners?
A:
Both. Tenants can insure contents, while landlords insure buildings.
ENGINEERING, MARINE & SPECIALIZED COVERS
Q25. What is Contractors All Risk (CAR) Insurance?
A:
Protects ongoing construction projects against accidental damage, fire, theft, or third-party injury during works.
Q26. What is Marine Cargo Insurance?
A:
Covers imported or exported goods while in transit by sea, air, or road.
👉 Mandatory for importers per Kenya’s Marine Insurance Act.
Q27. What is Professional Indemnity (PI)?
A:
Covers professionals (doctors, engineers, lawyers, consultants) against lawsuits for professional negligence or errors.
GOODS IN TRANSIT (GIT)
Q28. What does GIT cover?
A:
Loss or damage to goods while being transported by your vehicle or a third-party transporter.
Covers fire, theft, accident, or overturning.
Q29. Who needs it?
A:
Manufacturers, distributors, logistics companies, or any business moving goods across Kenya.
Q30. Can GIT cover cross-border deliveries?
A:
Yes. Add a COMESA regional extension to cover Uganda, Tanzania, and Rwanda routes.
GENERAL INSURANCE QUESTIONS
Q31. Why should I buy insurance through an intermediary like Imana?
A:
Because agents know the market. Imana compares quotes across top insurers, ensures correct policy wording, and follows up your claims till payment.
Q32. How do I confirm if my insurance is genuine?
A:
Check the insurer’s name via the IRA (Insurance Regulatory Authority) portal or call your intermediary (Imana will verify within minutes).
Q33. What’s an Excess Protector?
A:
It’s an add-on that ensures you don’t pay the first portion (“excess”) of a claim.
Highly recommended for all vehicle covers.
Q34. Can I cancel my policy mid-term?
A:
Yes, with written notice. You may get a refund for unused months — subject to insurer terms.
Q35. How can I contact Imana for a quotation?
A:
👉 Simple!
🌐 Visit www.imana.co.ke or www.mykava.co.ke
📞 Call/WhatsApp 0113619635 / 0745218460 / 0113806810 / 0796209402
🏢 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
Insurance Wisdom — Insurance Doesn’t Have to Be Confusing
Whether you’re insuring a boda, a business, or your family’s health — Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Consultants have simplified the journey.
Compare, buy, and claim without stress — because Imana knows insurance, and we care about your peace of mind.
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