• By Raymond Momanyi

Affordable Insurance in Kenya: Motor, Medical, Travel, Life and Business Cover

Finding the right insurance in Kenya should not feel complicated, expensive or confusing. Whether you are insuring a private car, protecting your family’s health, covering employees, securing your home or safeguarding a growing business, Imana Insurance Agency Kenya Ltd helps you compare insurance quotations from trusted insurance companies.

Through Imana Insurance Agency Kenya Ltd and MyKava, individuals, families, motorists, employers and organisations can access a wide range of affordable insurance products under one roof.

Instead of approaching several insurance companies separately, clients can request quotations, compare available options and choose a policy that matches their needs and budget.

Why Choose Imana Insurance Agency Kenya Ltd?

Imana Insurance Agency Kenya Ltd is an insurance intermediary based in Westlands, Nairobi. The agency works with trusted insurance providers to help clients access competitive insurance quotations across different classes of insurance.

Clients benefit from:

• Insurance quotation comparison
• Access to multiple trusted insurers
• Professional insurance advice
• Fast digital quotation support
• Convenient service through phone and WhatsApp
• Support when purchasing, renewing or claiming
• Insurance solutions for individuals, families and businesses

The prices shown below are suggested starting premiums. Final insurance premiums depend on the insurer, type of risk, selected benefits, policy limits, vehicle details, age, occupation, payroll, destination, claims history and underwriting requirements.

Motor Insurance in Kenya

Motor insurance is mandatory for vehicles operating on Kenyan roads. At a minimum, motorists must have valid third-party motor insurance. Vehicle owners may also choose comprehensive insurance for wider protection.

Private Car Third-Party Insurance

Private car third-party insurance is available from approximately KSh 5,063 per year.

This policy covers legal liability for bodily injury, death or property damage caused to third parties. It does not cover accidental damage to the insured vehicle.

Commercial Vehicle Third-Party Insurance

Commercial motor vehicle third-party insurance is available from approximately KSh 7,574 per year.

This may apply to vehicles used for business purposes, goods transport, deliveries or commercial operations. The final premium depends on the specific commercial vehicle class.

PSV Taxi, Uber and Bolt Insurance

Insurance for taxis, Uber, Bolt and other app-based passenger vehicles is available from approximately:

• KSh 4,000 per month
• KSh 7,574 per year

Available options may include short-term and annual cover, depending on the insurer and vehicle use.

Motorcycle and Boda Boda Insurance

Motorcycle and boda boda insurance is available from approximately KSh 4,000 per year.

Private motorcycles, commercial delivery motorcycles and public service motorcycles may attract different premiums.

Comprehensive Motor Insurance

Comprehensive motor insurance is available from approximately KSh 25,000 per year, or at an applicable percentage of the vehicle’s insured value.

Comprehensive insurance may cover:

• Accidental damage
• Theft
• Fire
• Third-party liability
• Windscreen damage
• Towing and recovery
• Political violence and terrorism, where selected
• Excess protector, where selected
• Courtesy car, where available

Imana also arranges insurance for matatus, buses, tuk-tuks, school buses, tour vans, tractors, prime movers and heavy commercial vehicles.

Affordable Medical Insurance in Kenya

Medical insurance can help protect individuals and families from unexpected hospital and treatment expenses.

Through Imana and MyKava, clients can compare medical insurance options for individuals, children, families, senior citizens and corporate groups.

Individual, Child-Only and Micro-Medical Cover

Affordable individual, child-only and micro-medical insurance may start from approximately KSh 4,000 per year.

Benefits vary depending on the insurer and selected plan.

Family Medical Insurance

Family medical insurance may start from approximately KSh 10,000 per year.

The final premium depends on:

• Number of family members
• Age of each member
• Inpatient limit
• Outpatient limit
• Maternity benefits
• Dental and optical benefits
• Chronic illness benefits
• Geographical area of cover

Senior Citizens’ Medical Insurance

Medical insurance options are also available for senior citizens.

Because premiums depend heavily on age, medical history, benefits and insurer requirements, clients should request a customised quotation.

Corporate and Group Medical Insurance

Businesses can request group medical insurance for employees and their dependants.

Pricing depends on employee numbers, age distribution, selected benefits and policy limits.

Travel Insurance in Kenya

Travel insurance helps protect travellers against unexpected events before or during a trip.

Travel insurance may cover:

• Emergency medical treatment abroad
• Medical evacuation
• Repatriation
• Trip cancellation
• Travel delay
• Loss of checked baggage
• Loss of travel documents
• Personal accident
• Emergency assistance

Travel insurance may start from approximately KSh 1,500 per trip, depending on the destination, traveller’s age, travel duration and benefits required.

Imana also arranges Schengen visa-compliant travel insurance and other international travel insurance policies.

COMESA Yellow Card Insurance

The COMESA Yellow Card provides cross-border third-party motor insurance for vehicles travelling within participating COMESA countries.

Suggested starting annual premiums include:

• Motorcycles — From KSh 5,000
• Private vehicles — From KSh 12,000
• Commercial vehicles — From KSh 20,000

Final premiums may depend on vehicle category, travel period and current insurer rates.

Life Insurance and Personal Protection

Life and personal accident insurance can help provide financial support following death, injury or disability.

Group Last Expense Insurance

Group last expense insurance may start from approximately KSh 1,200 per member per year.

This cover can help meet funeral expenses following the death of an insured member.

Student and Personal Accident Insurance

Student and personal accident insurance may start from approximately KSh 500 per year.

The policy may provide benefits following accidental injury, disability or death.

Individual Life Insurance

Individual life insurance may start from approximately KSh 1,500 per month.

Premiums depend on age, policy term, sum assured, health status and the type of life insurance selected.

Group Life Insurance

Employers, associations, SACCOs and organised groups can arrange group life insurance for members or employees.

Pricing is normally based on salaries, benefits, ages and membership numbers.

Home and Property Insurance

Your home, building and belongings represent years of hard work. Home and property insurance can protect against unexpected loss or damage.

Home and Domestic Package Insurance

Home and domestic package insurance may start from approximately KSh 5,000 per year.

Depending on the selected policy, cover may include:

• Residential building
• Household contents
• Personal belongings
• Fire damage
• Burglary
• Domestic workers’ liability
• Public liability
• All-risks cover for selected items

Fire, Burglary and All-Risks Insurance

Fire, burglary and all-risks insurance may start from approximately KSh 5,000 per year, depending on the property, location and sums insured.

Landlord and Building Insurance

Landlords and property owners can insure residential or commercial buildings against risks such as fire, storm, flooding and other insured events.

The final premium is based on the building’s replacement value, location, use and construction.

Business and Corporate Insurance in Kenya

Every business faces risks. A fire, employee injury, theft, liability claim, damaged equipment or interrupted operation can create major financial pressure.

Imana helps SMEs, institutions and corporate clients compare suitable business insurance quotations.

SME Combined Insurance

SME combined insurance may start from approximately KSh 15,000 per year.

The policy may combine several benefits, including:

• Fire insurance
• Burglary insurance
• Money insurance
• Fidelity guarantee
• Public liability
• Goods-in-transit
• Electronic equipment
• Business interruption
• WIBA insurance

WIBA Insurance

WIBA insurance may start from approximately KSh 5,000, subject to the employer’s annual payroll, occupation and number of employees.

WIBA protects employers against liability arising from employee injury, occupational illness, disability or death occurring in the course of employment.

Group Personal Accident and WIBA Plus

Group Personal Accident and WIBA Plus provide wider employee protection.

Premiums depend on payroll, occupation, employee numbers and selected benefits.

Professional Indemnity Insurance

Professional indemnity insurance may start from approximately KSh 5,000 per year.

It is designed for professionals and businesses that may face claims arising from errors, omissions, negligence or professional advice.

This may apply to:

• Consultants
• Accountants
• Architects
• Engineers
• Medical professionals
• Insurance intermediaries
• Valuers
• Lawyers
• Technology companies
• Other professional service providers

Goods-in-Transit Insurance

Goods-in-transit insurance may start from approximately KSh 5,000 per year.

It protects goods while being transported by road, rail, air or other approved means.

Marine Cargo Insurance

Marine cargo insurance covers goods being imported, exported or transported.

The premium depends on:

• Value of goods
• Type of cargo
• Origin and destination
• Mode of transport
• Packaging
• Claims history

Contractors’ All Risks Insurance

Contractors’ All Risks insurance protects construction projects against accidental physical loss, damage and third-party liability.

Premiums depend on the project value, duration, location and nature of construction work.

Other Corporate Insurance Solutions

Imana also arranges:

• Public liability insurance
• Product liability insurance
• Employers’ liability insurance
• Fidelity guarantee insurance
• Money insurance
• Machinery breakdown insurance
• Electronic equipment insurance
• Cyber insurance
• Aviation insurance
• Agriculture insurance
• Engineering insurance
• Business interruption insurance
• Bid bonds
• Performance bonds
• Immigration bonds
• Customs bonds

These products require customised quotations based on the nature and size of the risk.

How to Get an Insurance Quotation

Getting an insurance quotation from Imana is simple.

Share the relevant details through phone or WhatsApp. Depending on the product, you may be asked to provide documents such as:

• National ID or passport
• KRA PIN
• Motor vehicle logbook
• Current insurance certificate
• Employee schedule
• Payroll
• Property valuation
• Medical member schedule
• Travel dates and destination
• Business registration documents
• Claims history

Imana will use the information to request and compare quotations from suitable insurance companies.

Compare Insurance Quotes in Kenya Today

Insurance should protect your progress, not become another source of confusion.

Whether you need affordable car insurance, medical insurance, travel insurance, WIBA, business insurance, home insurance or life insurance, Imana Insurance Agency Kenya Ltd can help you compare available options.

Contact Imana Insurance Agency Kenya Ltd

Websites:
www.imana.co.ke
www.mykava.co.ke

Office:
4th Floor, Krishna Centre, Westlands, Nairobi

Call or WhatsApp:
+254 745 218 460
+254 113 806 810
+254 103 806 588

Compare quotations, understand the benefits and choose insurance that fits your needs and budget.

Disclaimer: The prices mentioned in this article are indicative suggested starting premiums for general information and marketing purposes. Final premiums, benefits, exclusions and terms are determined by the selected insurance company after underwriting.

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