• By Raymond Momanyi

Compare Insurance Quotes in Kenya | Buy Affordable Cover Online

Compare affordable motor, medical, travel, life, home and business insurance quotations in Kenya through Imana Insurance Agency Kenya Ltd. Visit our Westlands office or request a quote online.

Compare Insurance Quotations Before You Buy

Looking for affordable insurance in Kenya should not mean accepting the first quotation you receive.

Insurance companies can offer different premiums, benefits, limits, excesses, exclusions and payment terms for the same risk. The cheapest quotation may offer limited protection, while the most expensive option may include benefits you do not need.

Imana Insurance Agency Kenya Ltd helps individuals, families, motorists, employers and businesses compare quotations from multiple trusted insurance companies.

Our approach is simple:

Compare the quotations. Understand the benefits. Buy suitable cover. Save where possible.

Whether you need motor insurance, medical insurance, travel insurance, WIBA, professional indemnity, home insurance or corporate insurance, Imana helps you review available options before making a decision.

Why Compare Insurance Quotes in Kenya?

Many people buy insurance by asking only one question:

“How much is the premium?”

Premium is important, but it is only one part of an insurance quotation.

A complete insurance comparison should consider:

• What the policy covers
• What the policy excludes
• The limit payable during a claim
• The excess payable by the policyholder
• Waiting periods
• Territorial limits
• Instalment options
• Hospital or garage networks
• Claims requirements
• Additional benefits
• Renewal conditions

Two policies may have similar premiums while offering completely different levels of protection.

Imana helps clients compare the details, not just the numbers.

Motor Insurance in Kenya

Motor insurance is required to protect vehicle owners against different road-related risks and legal liabilities.

Imana arranges quotations for private cars, commercial vehicles, taxis, motorcycles, public service vehicles and specialised motor classes.

Private Car Third-Party Insurance

Private car third-party insurance is the minimum legal motor insurance required for vehicles operating on Kenyan roads.

Indicative premiums may start from:

KSh 5,063 per year

Third-party insurance generally covers certain legal liabilities arising from bodily injury, death or property damage caused to other people, subject to the policy terms.

It does not ordinarily cover accidental damage to your own vehicle.

Before buying, confirm:

• The vehicle is correctly classified
• The owner’s details are accurate
• The vehicle usage is properly disclosed
• Passenger liability requirements are addressed
• The certificate and policy schedule match the logbook details

Commercial Vehicle Third-Party Insurance

Commercial vehicles may include pickups, vans, lorries and vehicles used to transport goods for business purposes.

Indicative third-party premiums may start from:

KSh 7,574 per year

The final premium depends on factors such as:

• Vehicle class
• Carrying capacity
• Gross vehicle weight
• Nature of goods carried
• Area of operation
• Vehicle ownership
• Claims history

Using a private-car policy for a commercially operated vehicle can create problems during a claim. The vehicle must be insured under its correct class.

PSV Taxi, Uber and Bolt Insurance

Cars used for taxi, Uber, Bolt or other ride-hailing services require the appropriate PSV insurance.

Indicative annual third-party premiums may start from:

KSh 7,574

When requesting a quotation, disclose that the vehicle carries passengers for hire or reward.

A private motor policy is not suitable for a vehicle operating as a taxi or through a ride-hailing platform.

Motorcycle and Boda Boda Insurance

Imana arranges insurance for:

• Private motorcycles
• Boda boda motorcycles
• Delivery motorcycles
• Courier motorcycles
• Commercial motorcycle fleets

Indicative annual premiums may start from:

KSh 3,560 per year

The final premium depends on whether the motorcycle is used privately, for deliveries or to carry passengers.

Comprehensive Motor Insurance

Comprehensive motor insurance provides wider protection than third-party-only insurance.

Depending on the insurer and policy terms, it may cover:

• Accidental damage
• Theft
• Fire
• Third-party liabilities
• Windscreen damage
• Towing and recovery
• Emergency expenses
• Road rescue
• Personal accident benefits
• Political violence and terrorism, where added
• Excess protector, where selected

Indicative comprehensive premiums may start from:

KSh 25,000 per year

Alternatively, the premium may be calculated as an applicable percentage of the insured value of the vehicle.

The percentage depends on:

• Vehicle value
• Make and model
• Year of manufacture
• Vehicle use
• Claims record
• Selected insurer
• Applicable minimum premium
• Optional extensions

A proper vehicle valuation may be required.

Specialised Motor Insurance

Imana also helps clients compare quotations for:

• Matatus
• Buses
• Tuk-Tuks
• School buses
• Tractors
• Tour vans
• Prime movers
• Trailers
• Heavy commercial vehicles
• Duty-free vehicles
• Expatriate-owned vehicles

These risks normally require customised quotations because the premium depends on the vehicle’s class, value, seating capacity, usage and operating area.

Request a motor insurance quotation at:

https://imana.co.ke/motor-quote

Medical Insurance in Kenya

Medical insurance helps individuals, families and employers manage healthcare expenses, subject to the limits and conditions of the selected plan.

Imana helps clients compare medical insurance based on:

• Inpatient limits
• Outpatient limits
• Hospital networks
• Maternity benefits
• Dental benefits
• Optical benefits
• Chronic illness cover
• Co-payments
• Waiting periods
• Age limits
• Exclusions
• Territorial coverage

Individual, Child-Only and Micro-Medical Cover

Affordable individual, child-only and micro-medical plans may start from:

KSh 4,000 per year

These options may suit individuals or families looking for basic medical protection within a manageable budget.

Benefits differ significantly between providers. Always confirm:

• Whether outpatient treatment is included
• Whether the plan is inpatient-only
• The hospitals available
• Whether children can be insured without a parent
• The applicable waiting periods
• Whether dental and optical benefits are included

Family Medical Insurance

Family medical insurance may start from:

KSh 10,000 per year

The final premium depends on:

• Number of family members
• Ages of members
• Selected inpatient limit
• Outpatient benefits
• Hospital network
• Maternity requirements
• Dental and optical benefits
• Chronic condition requirements

Families should not compare premiums without comparing the benefits attached to each quotation.

Senior Citizens’ Medical Insurance

Medical insurance for senior citizens requires individual assessment.

The insurer may consider:

• Entry age
• Maximum renewal age
• Existing medical conditions
• Chronic illnesses
• Required benefit limits
• Hospital access
• Medical examinations
• Co-payment requirements

Imana helps families compare available senior medical insurance options and understand the conditions attached to each quotation.

Group and Corporate Medical Insurance

Businesses can arrange medical insurance for employees and eligible dependants.

Group medical premiums depend on:

• Number of members
• Ages
• Family composition
• Benefit limits
• Hospital network
• Claims history
• Maternity benefits
• Dental and optical benefits
• Chronic illness requirements

Employers should prepare accurate employee information before requesting quotations.

Compare medical insurance at:

https://imana.co.ke/insurance/health-insurance

For child-only and micro-medical options, visit:

https://imana.co.ke/mykava-product-quote

Travel and Cross-Border Insurance

Travel can be exciting, but medical emergencies, flight interruptions and lost luggage can quickly turn a good journey into an expensive problem.

Travel Insurance

Travel insurance may start from:

KSh 1,500 per trip

The final premium depends on:

• Traveller’s age
• Destination
• Travel duration
• Medical benefit limit
• Purpose of travel
• Number of travellers
• Additional benefits

Depending on the policy, travel insurance may cover:

• Emergency medical treatment
• Medical evacuation
• Repatriation
• Trip cancellation
• Trip interruption
• Lost or delayed baggage
• Passport loss
• Personal accident
• Personal liability
• Emergency assistance

Schengen and Visa-Compliant Travel Insurance

Travellers applying for certain visas may be required to provide travel insurance meeting specific medical and territorial conditions.

The quotation depends on:

• Destination
• Visa requirements
• Travel dates
• Traveller’s age
• Required medical limit
• Number of entries

Request travel insurance through:

https://imana.co.ke/insurance/travel-insurance

COMESA Yellow Card Insurance

The COMESA Yellow Card provides cross-border third-party motor insurance protection in participating countries, subject to the scheme rules.

Indicative annual premiums include:

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

The cost may vary depending on vehicle class, duration and applicable scheme requirements.

Request COMESA Yellow Card insurance through:

https://imana.co.ke/comesa-insurance

Life and Personal Protection

Insurance is not only about vehicles, hospitals and businesses. It can also help protect people and families against the financial consequences of death, disability or accidental injury.

Group Last Expense Insurance

Group last expense insurance may start from:

KSh 1,200 per member per year

It may be arranged for:

• Companies
• Chamas
• Welfare groups
• SACCOs
• Associations
• Churches
• Family groups
• Community organisations

The premium depends on membership, age distribution and selected benefit.

Student and Personal Accident Insurance

Student and personal accident insurance may start from:

KSh 500 per year

Depending on the policy, benefits may include:

• Accidental death
• Permanent disability
• Medical expenses
• Funeral expenses
• Emergency transport
• Artificial appliances

Individual Life Insurance

Individual life insurance may have indicative contributions starting from:

KSh 1,500 per month

The final contribution depends on:

• Age
• Selected sum assured
• Policy duration
• Health information
• Additional benefits
• Savings or investment structure

Group Life Insurance

Group life insurance helps employers provide financial protection to employees’ beneficiaries.

Premiums are normally based on:

• Employee salaries
• Selected benefit multiples
• Number of employees
• Age distribution
• Nature of work
• Additional disability benefits

Home and Property Insurance

Your home may contain years of work, memories and valuable belongings. Fire, theft, water damage and other unexpected events can cause significant financial loss.

Home and Domestic Package Insurance

Home insurance may start from:

KSh 5,000 per year

A domestic package may include cover for:

• The building
• Household contents
• Personal belongings
• Domestic workers
• Public liability
• Alternative accommodation
• Accidental damage, where selected

Household Contents Insurance

The premium is based on the replacement value of items such as:

• Furniture
• Electronics
• Appliances
• Clothing
• Kitchen equipment
• Personal effects

Contents should be insured at realistic replacement values to avoid underinsurance.

Fire, Burglary and All-Risks Insurance

Indicative premiums may start from:

KSh 5,000 per year

The final premium depends on the property, location, security arrangements and values insured.

Landlord and Building Insurance

Landlords and property owners may insure:

• Residential buildings
• Commercial buildings
• Rental property
• Boundary walls
• Gates
• Fixed installations
• Rental income, where applicable

The premium is normally based on the building’s reinstatement value rather than its market or sale price.

Business and Corporate Insurance

Businesses face risks involving employees, customers, property, vehicles, goods, contracts and technology.

A suitable corporate insurance programme should reflect the actual activities of the business.

SME Combined Insurance Package

An SME combined policy may start from:

KSh 15,000 per year

It may combine several covers, such as:

• Fire
• Burglary
• Money insurance
• Fidelity guarantee
• Public liability
• Goods in transit
• Business interruption
• Electronic equipment
• Employee injury protection

WIBA Insurance

Indicative WIBA premiums may start from:

KSh 5,000

The final premium is subject to:

• Annual employee payroll
• Number of employees
• Occupations
• Nature of work
• Work locations
• Claims history

WIBA helps employers address certain liabilities arising from work-related injury or occupational illness, subject to the policy terms and applicable law.

Learn more at:

https://imana.co.ke/insurance/wiba-insurance

Group Personal Accident and WIBA Plus

Group personal accident and WIBA Plus premiums depend on:

• Employee numbers
• Payroll
• Occupations
• Benefit limits
• Nature of the business
• Required territorial scope

Employers’ Liability Insurance

Employers’ liability insurance may help protect businesses against certain claims made by employees outside the standard WIBA framework, subject to the policy wording.

A customised quotation is required.

Professional Indemnity Insurance

Professional indemnity insurance may start from:

KSh 5,000 per year

It is relevant to professionals and service firms that may face claims involving:

• Negligent advice
• Errors and omissions
• Breach of professional duty
• Legal defence costs
• Loss of documents

The premium depends on the profession, turnover, indemnity limit, experience and previous claims.

Learn more at:

https://imana.co.ke/professional-indemnity

Public and Product Liability Insurance

Public liability insurance may protect a business against certain third-party bodily injury or property damage claims.

Product liability may apply where goods manufactured, supplied or distributed cause injury or damage.

A customised quotation is required based on the business activity and required limits.

Fidelity Guarantee and Money Insurance

Fidelity guarantee insurance may help protect a business against certain financial losses caused by employee dishonesty.

Money insurance may cover cash while:

• On the premises
• In transit
• In a safe
• Being handled by authorised employees

The premium is based on the required limits, controls and security arrangements.

Goods-in-Transit Insurance

Goods-in-transit insurance may start from:

KSh 5,000 per year

The quotation depends on:

• Type of goods
• Value per consignment
• Annual value transported
• Mode of transport
• Territorial limits
• Packaging
• Claims history

Marine Cargo Insurance

Marine cargo insurance covers goods being transported by sea, air, road or rail, subject to the selected policy.

The premium depends on:

• Nature of goods
• Cargo value
• Origin and destination
• Mode of transport
• Packaging
• Policy terms
• Frequency of shipments

Contractors’ All Risks and Engineering Insurance

Contractors may require insurance for:

• Construction projects
• Civil works
• Building works
• Installation projects
• Plant and equipment
• Third-party liabilities
• Existing structures

The premium is generally based on the contract value, project duration, scope of work and location.

Machinery Breakdown and Electronic Equipment Insurance

Businesses can insure machinery and electronic equipment against selected accidental or mechanical risks.

The premium depends on:

• Asset value
• Equipment type
• Age
• Maintenance arrangements
• Operating environment
• Selected deductibles

Cyber Insurance

Cyber insurance may help businesses respond to certain risks involving:

• Data breaches
• Cyberattacks
• System interruptions
• Privacy claims
• Incident response
• Data restoration
• Cyber liability

A customised quotation is required because cyber risk differs significantly between businesses.

Bid, Performance, Immigration and Customs Bonds

Imana helps businesses arrange:

• Bid or tender bonds
• Performance bonds
• Advance-payment bonds
• Immigration bonds
• Customs bonds
• Retention bonds
• Maintenance bonds

The cost depends on:

• Bond amount
• Duration
• Type of bond
• Applicant’s financial position
• Contract details
• Security requirements
• Underwriting terms

Aviation, Agriculture and Specialist Insurance

Imana can also assist with specialised quotations for:

• Aviation risks
• Agriculture
• Livestock
• Crop insurance
• Logistics
• Warehousing
• Marine
• Engineering
• Specialised liability
• Other complex commercial risks

These products are arranged based on individual risk assessment.

One Agency, Multiple Trusted Insurers, Better Choices

Approaching one insurer normally gives you one insurer’s quotation.

Working with Imana gives you an opportunity to compare suitable options from several trusted insurance companies, subject to underwriting availability.

Imana helps clients:

• Compare premiums
• Review benefits and limits
• Identify exclusions
• Understand excesses
• Examine payment options
• Organise required documents
• Complete policy placement
• Obtain certificates and schedules
• Receive renewal support
• Understand the claims process

The goal is not simply to sell a policy.

The goal is to help you choose cover that matches your needs, risks and budget.

Insurance Agency in Westlands, Nairobi

Imana Insurance Agency Kenya Ltd is based at:

4th Floor, Krishna Centre
Woodvale Grove, Westlands
Nairobi, Kenya

The office is accessible to clients working or living around:

• Westlands
• Sarit Centre
• Westgate
• Parklands
• Riverside
• Spring Valley
• Lavington
• Gigiri
• Runda
• Muthaiga
• Kitisuru
• Nairobi CBD

Clients outside Nairobi can request insurance quotations online and share the required documents electronically.

Imana serves customers throughout Kenya.

Compare, Buy and Save on Insurance Today

Do not buy insurance blindly.

Compare quotations, understand the policy and choose the option that provides suitable value.

Website: www.imana.co.ke
MyKava: 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. Buy. Save. Protect what matters.

Frequently Asked Questions

Can Imana compare insurance quotations from different companies?

Yes. Subject to product availability and underwriting appetite, Imana helps clients compare quotations from multiple trusted insurance companies.

Are the advertised insurance prices final?

No. The prices are indicative starting premiums for marketing and comparison purposes. Final premiums depend on the applicant’s risk details and the insurer’s underwriting terms.

Can I buy insurance online through Imana?

Yes. Clients can request quotations, submit documents and complete much of the insurance process digitally.

Does Imana offer third-party and comprehensive motor insurance?

Yes. Imana arranges both third-party-only and comprehensive motor insurance for different vehicle classes.

Can I insure only my child under a medical policy?

Child-only medical options may be available, subject to the selected insurer’s terms and eligibility requirements.

Does Imana provide insurance for businesses?

Yes. Imana arranges WIBA, liability, property, motor, marine, engineering, professional indemnity, cyber and other corporate insurance products.

Where is Imana Insurance Agency located?

Imana is located on the 4th Floor of Krishna Centre, Woodvale Grove, Westlands, Nairobi.

Does Imana serve clients outside Nairobi?

Yes. Clients throughout Kenya can request quotations and receive assistance through phone, WhatsApp and online channels.

Important Pricing Notice

The prices shown are indicative starting premiums for marketing purposes.

Final premiums depend on factors including:

• Selected insurer
• Risk details
• Age
• Vehicle class and value
• Travel destination
• Payroll
• Sums insured
• Membership
• Selected benefits
• Previous claims
• Policy excess
• Underwriting terms

All insurance benefits, premiums, acceptance conditions, exclusions and claim payments are subject to the policy wording and underwriting approval of the selected insurance company.

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