Insurance protects you financially from unexpected events such as accidents, illness, theft, fire, or death, helping you avoid wiping out your savings.

Third Party insurance covers damage or injury caused to other people only, while Comprehensive insurance covers your vehicle as well as third-party liabilities.

Yes. Some insurance covers are mandatory in Kenya, including Third Party Motor Insurance, Work Injury Benefits Act (WIBA) cover for employees, and Public Liability cover for certain businesses.

Yes. Many insurers allow payment in installments such as monthly, quarterly, or semi-annual, depending on the policy.

You notify the insurer, complete a claim form, and submit the required documents such as police abstracts, medical reports, or repair quotations.

Simple claims may be settled within a few days to a few weeks. More complex claims can take longer depending on investigations and documentation.

Claims may be rejected due to non-disclosure of important information, a lapsed policy, claims not covered under the policy, or fraud and false documentation.

An insurance agent helps you choose the right cover, explains policy terms, and assists during claims—often at no extra cost.