• By Raymond Momanyi

Compare Insurance Quotes in Kenya | Free Online Quotes

Compare Motor, Medical and other insurance quotations in Kenya without a separate quotation fee. Imana helps customers compare options from insurers including Pioneer, CIC, APA, ICEA, Pacis, Old Mutual and more.

Website: www.imana.co.ke | www.mykava.co.ke

Shopping for insurance in Kenya should not mean calling five different insurance companies, repeating the same information several times and still wondering whether you received a competitive quotation.

A more practical approach is to compare suitable insurance options through an insurance intermediary that works with different insurers.

That is where Imana Insurance Agency Kenya Ltd comes in.

Through:

www.imana.co.ke and www.mykava.co.ke

individuals, families and businesses can research insurance, request quotations and compare suitable options before choosing cover.

Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping customers compare insurance quotations across:

• Motor Insurance
• Medical Insurance
• WIBA
• PSV Insurance
• Motorcycle Insurance
• Travel Insurance
• Corporate Insurance
• Other general insurance classes

The objective is straightforward:

Compare first. Understand the cover. Then choose.

Why Compare Insurance Quotations?

Two insurance policies can have similar names but very different terms.

For example, two Comprehensive Motor Insurance quotations may differ in:

• Premium
• Excess
• Windscreen limit
• Excess Protector
• Political Violence and Terrorism
• Courtesy car
• Road rescue
• Theft conditions

Two Medical Insurance plans may differ in:

• Inpatient limit
• Outpatient limit
• Hospital network
• Chronic-condition benefits
• Waiting periods
• Maternity
• Dental and optical
• Co-payments

That is why comparing only the headline price can be misleading.

The cheapest quotation is not automatically the best option.

A better comparison looks at:

Premium + Cover + Limits + Exclusions + Excess + Insurer suitability

Where Can I Compare Insurance Quotations in Kenya?

You can start at:

https://imana.co.ke/

Imana helps customers identify the relevant type of insurance, submit the necessary information and compare available options before making a decision.

Instead of approaching different insurers separately, a customer can use one intermediary to simplify the process.

Can I Compare Quotes From Several Insurance Companies?

Yes.

That is one of the key benefits of using an insurance comparison intermediary.

Imana works with a range of licensed insurance providers depending on:

• Insurance class
• Vehicle type
• Medical requirements
• Business risk
• Insurer appetite
• Underwriting requirements

Examples include:

• Pioneer
• CIC
• Definite
• Birdview
• APA
• Pacis
• ICEA
• Old Mutual

among others.

Not every insurer necessarily writes every type of risk.

One insurer may be competitive for private Motor Insurance while another may have stronger appetite for:

• Medical Insurance
• PSV
• Corporate risks
• WIBA

The role of comparison is therefore to identify suitable available options rather than automatically sending every customer to the same insurer.

Does Imana Charge Customers for Insurance Quotations?

There is no separate quotation fee for ordinary insurance quotation comparison through Imana.

Customers can request quotations, ask questions and compare suitable options before deciding whether to proceed.

If the customer chooses a policy, the applicable insurance premium and any relevant statutory charges are paid according to the quotation.

This makes it possible to compare insurance without paying a separate consultation fee simply to see available options.

Is It Cheaper to Use an Insurance Intermediary?

Not every policy obtained through an intermediary is automatically cheaper than every direct insurer quotation.

What an intermediary can help you do is compare competitive available quotations using the same risk information.

That can help you avoid:

• Overpaying for unsuitable cover
• Buying unnecessary benefits
• Choosing a cheap policy with restrictive terms
• Approaching multiple insurers separately

So the advantage is not simply:

“An intermediary is always cheaper.”

The better principle is:

“An intermediary can help you compare available options so you understand whether you are getting suitable value for your premium.”

Compare Motor Insurance Online in Kenya

Motor Insurance is one of the easiest insurance products to start comparing online.

You can request quotations for:

• Private cars
• Commercial vehicles
• PSV taxis
• Matatus
• Motorcycles
• Tuk-Tuks
• Fleet vehicles

Compare Motor Insurance Quotes

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

What Motor Insurance Options Can You Compare?

Depending on the vehicle and insurer, options can include:

Third Party Only

Third Party Only, commonly known as TPO, primarily protects against eligible third-party liabilities.

It does not ordinarily repair your own vehicle after an accident.

Comprehensive Motor Insurance

Comprehensive Insurance provides broader protection and may cover:

• Accidental damage
• Theft
• Fire
• Third-party liabilities

subject to policy terms.

Optional Motor Benefits

Depending on the insurer, you may also compare:

• Excess Protector
• Political Violence and Terrorism
• Windscreen cover
• Courtesy car
• Road rescue
• Personal Accident
• COMESA Yellow Card

What Information Do I Need for a Motor Insurance Quote?

For a useful Motor Insurance comparison, have the following information available:

• Vehicle registration number
• Make and model
• Year of manufacture
• Vehicle value
• Exact vehicle use
• Cover required

Documents may include:

• National ID or Passport
• KRA PIN
• Vehicle logbook

For Comprehensive Insurance, valuation or additional underwriting requirements may apply.

How Quickly Can I Get a Motor Insurance Quote?

Straightforward Motor Insurance quotations can often be generated quickly where complete information is available.

However, some quotations may require additional underwriting, especially for:

• High-value vehicles
• Older vehicles
• PSV risks
• Special vehicle classes
• Vehicles with previous claims

The safest expectation is:

Simple Motor quotations can often be obtained very quickly; specialised risks may take longer.

How Quickly Can a Motor Insurance Certificate Be Issued?

Once:

• The customer has chosen the quotation
• Required documents are complete
• Premium has been paid
• The insurer has accepted the risk

a digital certificate can often be processed quickly.

In straightforward cases, this may be within approximately 15–30 minutes, subject to insurer underwriting, payment confirmation and system availability.

Compare Medical Insurance Plans in Kenya

Medical Insurance requires more personalised comparison than Motor Insurance.

A quotation may depend on:

• Age
• Number of family members
• Inpatient limit
• Outpatient limit
• Existing conditions
• Preferred hospitals
• Maternity requirements
• Chronic-condition needs

Compare Medical Insurance

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

What Should I Compare in Medical Insurance?

Do not compare Medical Insurance using premium alone.

Check:

• Inpatient limit
• Outpatient limit
• Hospital network
• Waiting periods
• Chronic conditions
• Pre-existing conditions
• Cancer benefits
• Renal benefits
• Maternity
• Dental
• Optical
• Co-payments
• Entry age
• Renewal age

A cheap Medical Insurance policy may provide poor value if the hospitals or benefits your family needs are unavailable.

Can I Compare Medical Insurance for My Family?

Yes.

Medical Insurance can be arranged for:

• Individuals
• Couples
• Families
• Children
• Parents
• Senior citizens
• Employees

Different family structures require different benefit combinations.

This is why Medical Insurance often needs more customisation than Motor Insurance.

Can I Compare Medical Insurance for Parents Above 60?

Yes.

Senior Medical Insurance should be compared using:

• Maximum entry age
• Renewal age
• Inpatient limit
• Outpatient limit
• Chronic-condition wording
• Waiting periods
• Hospital network
• Premium

Some senior Medical Insurance products can remain available at ages when ordinary individual plans are already closed to new entrants.

How Long Does a Medical Insurance Quote Take?

Straightforward Medical Insurance quotations may often be prepared within approximately:

5–15 minutes

once complete information is available.

More complicated cases can take longer where there are:

• Several dependants
• Senior members
• Chronic conditions
• Group schemes
• Special benefit requirements
• Insurer underwriting questions

A useful Medical Insurance quotation should be accurate rather than rushed.

What Other Insurance Can I Compare Through Imana?

Insurance comparison is not limited to Motor and Medical.

Customers can also enquire about:

• WIBA
• WIBA Plus
• Group Medical
• Group Life
• Travel Insurance
• Corporate Insurance
• Property Insurance
• Fire Insurance
• Burglary
• Public Liability
• Professional Indemnity
• Contractors All Risk
• Personal Accident
• Bonds
• Marine Insurance
• Other specialised insurance

That means individuals and businesses can manage several insurance requirements through one intermediary rather than starting a separate search for every policy.

Compare WIBA Insurance

Employers should compare WIBA based on their actual workforce.

Important information includes:

• Number of employees
• Annual payroll
• Job categories
• Nature of work
• Occupational risk

Learn more:

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

A professional office should not automatically attract the same WIBA pricing as:

• Construction
• Manufacturing
• Transport

because occupational risk differs.

Compare PSV Insurance

PSV Insurance may apply to:

• Matatus
• Taxis
• Uber
• Bolt
• Buses
• School buses
• Tour vans

PSV should be compared separately from private Motor Insurance because passenger-for-hire exposure changes the risk.

PSV Insurance

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

Compare Travel Insurance

Travel Insurance can vary according to:

• Destination
• Traveller age
• Trip duration
• Emergency medical limit
• Evacuation
• Repatriation
• Baggage
• Cancellation

Travel Insurance information is available through:

www.imana.co.ke

and:

www.mykava.co.ke

MyKava also provides a convenient route for selected travel and personal insurance products.

Why Accurate Information Produces Better Insurance Quotes

A quotation is only as good as the information used to prepare it.

For example:

If an Uber vehicle is declared as a private car, the resulting quotation may be cheaper—but it may be the wrong insurance class.

If a company understates its payroll when obtaining WIBA, the comparison may not accurately represent the employer's risk.

If a Medical Insurance applicant leaves out relevant health information, underwriting or claims problems may arise later.

The best rule is:

Tell the insurer what the risk actually is.

Compare Like for Like

This is one of the most important rules when comparing insurance.

Do not compare:

KSh 500,000 Medical Insurance

with:

KSh 1 million Medical Insurance

and conclude that one insurer is cheaper.

Likewise, do not compare:

Private Motor Insurance

with:

PSV Insurance

or:

Third Party

with:

Comprehensive

and treat the price difference as an insurer problem.

Make sure the underlying cover is broadly equivalent.

Is the Cheapest Insurance Quote Always the Best?

No.

Suppose Insurer A quotes KSh 60,000 for Comprehensive Insurance.

Insurer B quotes KSh 65,000.

The KSh 65,000 option may include:

• Excess Protector
• PVT
• Higher windscreen limits
• Road rescue

while the KSh 60,000 option charges separately.

The lower premium may therefore not represent the lowest total value.

This is exactly why insurance comparison matters.

What Happens After I Choose an Insurance Quote?

The process normally continues through:

1. Confirming the quotation.
2. Submitting required documents.
3. Completing any insurer proposal or declaration.
4. Paying the premium.
5. Completing underwriting where applicable.
6. Receiving the policy schedule or certificate.

A quotation itself is not the insurance contract.

Cover takes effect according to the insurer's acceptance, payment requirements and policy terms.

Can I Buy Insurance Without Visiting an Office?

For many insurance products, yes.

The insurance process can increasingly be completed through:

• Website forms
• Email
• Telephone
• WhatsApp
• Digital payments

This is useful for customers:

• Outside Nairobi
• Working abroad
• Managing insurance for parents
• Running businesses with several branches
• Renewing Motor Insurance remotely

Where Is Imana Insurance Agency Located?

Imana Insurance Agency Kenya Ltd is based at:

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

Customers can also begin online through:

www.imana.co.ke

Why Use Imana Insurance Agency Kenya Ltd?

Imana's role goes beyond simply issuing an insurance certificate.

A useful insurance intermediary should help customers answer:

What insurance do I need?What does this quotation cover?What are the exclusions?What excess will I pay?Are there better available options?What happens when I need to claim?

Imana helps customers:

• Identify the appropriate insurance class
• Obtain quotations
• Compare available options
• Understand important differences
• Arrange cover
• Process endorsements
• Support claims communication

The insurer named on the policy remains responsible for underwriting the risk and settling admissible claims.

Imana and MyKava

Imana Insurance Agency Kenya Ltd provides broader insurance comparison and placement services through:

www.imana.co.ke

MyKava provides selected digital insurance and travel-related customer journeys through:

www.mykava.co.ke

The aim is to make it easier for customers to research, compare and arrange insurance without unnecessary complexity.

Structured Insurance Comparison FAQs

1. Where can I compare insurance quotations in Kenya?

Start at:

https://imana.co.ke/

Imana Insurance Agency Kenya Ltd helps individuals, families and businesses compare insurance quotations across multiple classes.

2. Can I compare quotes from several insurance companies?

Yes.

Imana can help obtain quotations from different insurers depending on the class of insurance and insurer appetite.

This reduces the need to approach every insurance company separately.

3. Is it cheaper to use an insurance intermediary?

It can help you find competitive options, but an intermediary cannot guarantee that every policy will always be cheaper than every direct quotation.

Imana does not charge a separate ordinary quotation fee, allowing customers to compare available options before deciding.

4. Can I compare Motor Insurance online?

Yes.

Use:

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

You can compare suitable Motor Insurance options according to the vehicle's actual use and cover required.

5. Can I compare Medical Insurance plans?

Yes.

Start at:

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

Compare benefits such as inpatient, outpatient, hospital network, waiting periods and chronic-condition terms.

6. Which insurance companies does Imana work with?

Depending on the insurance class and underwriting appetite, Imana can arrange cover through insurers including:

• Pioneer
• CIC
• Definite
• Birdview
• APA
• Pacis
• ICEA
• Old Mutual

among others.

Availability varies by product and risk.

7. Does Imana charge customers for quotations?

No separate fee is charged for ordinary quotation comparison.

Customers can request and compare suitable insurance quotations before deciding whether to proceed.

8. How long does it take to receive an insurance quote?

Straightforward Motor Insurance quotations can often be obtained very quickly where complete information is supplied.

Medical and other customised products may often take approximately 5–15 minutes, while complex risks can take longer.

Compare Insurance Quotations in Kenya: Final Answer

Insurance should not be bought simply because:

“This is the first quotation I received.”

Nor should the decision automatically be:

“This is the cheapest.”

A better approach is:

Understand the risk

then:

Compare suitable insurers

then:

Compare the policy terms

and finally:

Compare the price

That gives you a much better chance of buying insurance that actually fits your needs.

Whether you are looking for:

• Motor Insurance
• Medical Insurance
• WIBA
• PSV
• Motorcycle Insurance
• Travel Insurance
• Corporate Insurance

start by comparing your options.

Compare. Understand. Choose. Stay Covered.

Start here:

www.imana.co.ke

Compare Motor Insurance:
https://imana.co.ke/motor-quote

Compare Medical Insurance:
https://imana.co.ke/health-quote

Imana Insurance Agency Kenya Ltd:
www.imana.co.ke

MyKava:
www.mykava.co.ke

Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd

Insurance quotations, premiums, benefits and underwriting requirements vary between insurers and may change. Free quotation comparison does not guarantee that the lowest available premium will be the most appropriate cover. Always review the final quotation, policy schedule, exclusions and excesses before purchasing insurance.