• By Raymond Momanyi

Imana Insurance Kenya | Compare and Buy Insurance Online

Imana Insurance Kenya: How an Award-Winning Agency Helps You Compare and Buy Cover Smartly

Discover how Imana Insurance Agency Kenya Ltd helps individuals, families, motorists, expatriates and businesses compare insurance quotations and buy suitable cover online.

A Simpler Way to Buy Insurance in Kenya

Buying insurance should not feel like walking through fog.

Yet many customers still approach one insurance company, receive one quotation and purchase the policy without knowing whether another insurer could provide better benefits, more suitable terms or a more competitive premium.

Imana Insurance Agency Kenya Ltd helps remove that uncertainty.

Based in Westlands, Nairobi, Imana is a digital-first insurance intermediary helping individuals, families, motorists, professionals, expatriates, SMEs and corporate organisations compare quotations from different insurance companies.

Rather than selling products from only one insurer, the agency helps customers review available options, understand the differences and select cover that suits their risks and budget.

Through its online services and the MyKava Online Insurance Shop, Imana allows customers to request quotations, share documents, pay through digital channels and receive policy documents without making repeated visits to insurance offices. Imana’s published materials describe MyKava as the digital-facing insurance platform through which customers can compare and purchase different insurance products online.

What Is Imana Insurance Agency Kenya Ltd?

Imana Insurance Agency Kenya Ltd is an insurance intermediary operating from Krishna Centre in Westlands, Nairobi.

According to the company’s published history, the business was established in November 2020 under the Unitas name and later rebranded as Imana Insurance Agency Kenya Ltd in August 2021. The company states that it was registered and licensed as an insurance agency during its establishment period. Imana has also appeared in published Insurance Regulatory Authority intermediary registers, while the IRA maintains a current licensed-entities registry that consumers can use to verify intermediaries before buying insurance. (Imana)

The agency is led by Raymond Momanyi, its founder and chief executive officer. (LinkedIn)

An insurance agency is different from an insurance company.

The insurance company underwrites the risk, issues the policy and becomes responsible for valid claims under the policy terms. The agency helps the customer identify suitable insurers, obtain quotations, arrange the policy and navigate servicing or claims requirements.

That distinction matters because Imana can help a customer consider several insurers instead of being restricted to one company’s products.

Imana Insurance and MyKava: What Is the Difference?

Imana Insurance Agency Kenya Ltd is the insurance intermediary.

MyKava is the digital insurance platform and consumer-facing online shop used to make quotation requests, comparison and digital purchasing more convenient.

MyKava is therefore not the insurance company underwriting every policy. The actual insurer will be identified on the quotation, policy schedule, certificate and policy wording.

Before paying, every customer should confirm:

• The name of the underwriting insurance company
• The policy class
• The insured person or business
• The period of insurance
• The benefits and limits
• The premium
• The excesses
• The exclusions
• The claims contact and procedure

The slogan “Diskava Beta Kava” reflects the comparison idea: discover the options, understand the differences and choose more intelligently.

How Imana Makes Insurance Comparison Easier

Insurance comparison is not simply about placing three premiums next to each other.

Two policies can have similar prices but very different conditions. One may have a higher excess. Another may exclude political violence, impose a restrictive hospital network or provide a smaller liability limit.

Imana helps make comparison easier through a practical process.

1. Understanding the Customer’s Risk

The process starts by identifying what the customer wants to insure.

For motor insurance, this may involve the vehicle class, value, usage, year of manufacture and claims history.

For medical insurance, it may involve age, family composition, inpatient limits, outpatient requirements, maternity needs and preferred hospitals.

For business insurance, the agency may need payroll information, asset values, turnover, employee numbers, contract details or the nature of operations.

Accurate information matters because quotations based on different risk details cannot be compared fairly.

2. Requesting Quotations From Suitable Insurers

Imana can approach insurers whose underwriting appetite matches the customer’s risk.

A private car, PSV matatu, school bus, medical scheme, consulting firm and logistics company all require different underwriting approaches.

The objective is not to collect random quotations. It is to obtain realistic options from insurers capable of covering that particular risk.

3. Comparing More Than the Premium

A useful comparison should examine:

• Scope of cover
• Benefit limits
• Excesses
• Exclusions
• Waiting periods
• Territorial limits
• Payment arrangements
• Hospital or garage networks
• Optional extensions
• Claims documentation
• Renewal terms

This helps the customer understand why one quotation is cheaper or more expensive than another.

4. Explaining the Policy in Plain Language

Insurance documents can be technical.

Terms such as excess, indemnity limit, waiting period, sublimit, territorial scope, contribution and average may not be immediately clear to every customer.

A professional intermediary should explain what these terms mean before the customer commits.

The customer should understand both the promise and the boundary of the policy.

5. Supporting Digital Purchase and Documentation

Imana promotes an online process through which customers can request quotations, submit documents and pay digitally.

For qualifying motor transactions, Imana states that digital certificates may be processed within approximately 30 minutes once the required information, payment and insurer approval are in place. The agency also promotes WhatsApp and email delivery of certificates and documents. (Imana)

Processing time can vary where underwriting approval, inspection, valuation or additional documentation is required.

Motor Insurance in Kenya

Motor insurance is one of Imana’s principal service areas.

The agency helps customers compare quotations for:

• Private cars
• Commercial vehicles
• PSV taxis
• Uber, Bolt and other ride-hailing vehicles
• Matatus and buses
• Motorcycles and boda bodas
• Tuk-Tuks
• School buses
• Tour service vehicles
• Tractors
• Prime movers and trailers
• Heavy commercial vehicles
• Duty-free vehicles

Available cover options may include:

Comprehensive Motor Insurance

Comprehensive cover may protect the insured vehicle against accidental damage, theft and fire, while also providing third-party liability protection.

Depending on the insurer, customers may add benefits such as:

• Excess protector
• Political violence and terrorism
• Windscreen cover
• Road rescue
• Courtesy car
• Personal accident
• COMESA Yellow Card

Third-Party-Only Insurance

Third-party-only insurance covers specified legal liabilities arising from injury, death or property damage caused to other people.

It does not normally pay for accidental damage to the insured customer’s own vehicle.

Third Party, Fire and Theft

This provides third-party liability protection together with cover for loss or damage to the insured vehicle arising from fire or theft, subject to policy conditions.

Imana’s motor insurance page states that customers can compare motor quotations online, arrange different vehicle classes and receive assistance with valuation and claims. (Imana)

Medical and Health Insurance

Medical insurance can vary significantly between providers.

A quotation may include inpatient cover but exclude outpatient treatment. Another may provide family benefits but impose sublimits on maternity, chronic illnesses, dental treatment or diagnostic tests.

Imana helps customers compare options for:

• Individual medical insurance
• Family medical insurance
• Child-only medical cover
• Senior citizens’ medical insurance
• Microhealth plans
• Maternity insurance
• Group medical insurance
• Corporate medical schemes
• SHA supplementary or top-up solutions

When comparing medical insurance, customers should review:

• Inpatient limits
• Outpatient limits
• Hospital networks
• Waiting periods
• Maternity benefits
• Dental and optical limits
• Pre-existing-condition terms
• Chronic-disease benefits
• Entry and renewal ages
• Co-payments
• Territorial coverage

Imana’s health insurance services are marketed to individuals, families, senior citizens and corporate clients looking for affordable medical options. (Imana)

Travel and Cross-Border Insurance

Travel insurance can help protect travellers against certain financial consequences arising from emergencies while away from home.

Depending on the selected policy, benefits may include:

• Emergency medical treatment
• Medical evacuation
• Repatriation
• Trip cancellation
• Trip interruption
• Baggage loss or delay
• Passport loss
• Personal accident
• Personal liability

Imana also arranges travel policies that may satisfy specified embassy or visa requirements, subject to the destination and applicable policy limits.

For motorists travelling across participating African countries, the agency can assist with COMESA Yellow Card insurance, which provides cross-border third-party motor protection under the scheme’s rules.

WIBA and Employee Protection

Employers have responsibilities when employees are injured or develop occupational illnesses in the course of their work.

Imana helps businesses arrange and compare:

• WIBA insurance
• WIBA Plus
• Group personal accident
• Group life insurance
• Group medical insurance
• Employers’ liability insurance

A WIBA quotation may depend on:

• Annual payroll
• Number of employees
• Employee occupations
• Nature of work
• Work locations
• Previous claims
• Required additional benefits

A growing SME should review its employee insurance whenever payroll, staff numbers or business activities change.

Home and Property Insurance

Imana also assists homeowners, tenants, landlords and property investors with quotations for:

• Residential buildings
• Household contents
• Domestic package insurance
• Fire and perils
• Burglary
• All-risks cover
• Landlord insurance
• Public liability
• Alternative accommodation

Property should be insured using realistic rebuilding or replacement values.

Insuring a building at its market price instead of its reinstatement value—or undervaluing household contents—can create problems during a claim.

Business and Corporate Insurance

Businesses need insurance programmes that reflect their actual operations.

Imana’s corporate insurance offering includes solutions such as:

• Commercial motor and fleet insurance
• WIBA and group personal accident
• Group medical and group life
• Fire and business interruption
• Burglary
• Goods in transit
• Marine cargo
• Fidelity guarantee
• Money insurance
• Public liability
• Product liability
• Professional indemnity
• Contractors’ all risks
• Machinery breakdown
• Electronic equipment insurance
• Cyber insurance
• Tender and performance bonds

The agency’s corporate insurance page positions Imana as a comparison and advisory channel for SMEs and larger organisations seeking business insurance in Kenya. (Imana)

Professional Indemnity and Bonds

Professionals can face allegations that their advice, designs, reports or services caused a client financial loss.

Professional indemnity insurance may be relevant to:

• Consultants
• Accountants
• Lawyers
• Engineers
• Architects
• Medical professionals
• Technology firms
• Valuers
• Other professional service providers

Contractors and suppliers may also require:

• Tender or bid bonds
• Performance bonds
• Advance-payment bonds
• Retention bonds
• Immigration bonds
• Customs bonds

These products usually require customised underwriting based on the profession, contract value, bond amount, financial position and required wording.

Why Work With an Independent Insurance Agency?

Working directly with one insurer may be appropriate where the customer already understands the product and is satisfied with that insurer.

However, an independent agency can add value where the customer wants to compare options.

Wider Market Access

The customer can review products from different insurers instead of being limited to one provider.

Clearer Comparison

The agency can identify differences in limits, exclusions, excesses and policy extensions.

Reduced Administrative Work

The intermediary can coordinate quotation requests, documentation, payment confirmation and policy issuance.

Claims Guidance

Although the insurer decides and pays valid claims, an agency can help the customer understand the documents required, notification process and communication channels.

Renewal Support

The agency can remind customers about renewals and help review whether the existing cover remains suitable.

An insurance intermediary does not remove the need to read the policy. The final contract remains between the insured customer and the underwriting insurance company.

Is Imana an Award-Winning Insurance Agency?

Imana describes itself as an award-winning agency.

Its published awards summary lists regional recognition between 2024 and 2025, including insurance-agency, insurance-consulting and trust-related awards. The company’s public communications also report that CEO Raymond Momanyi was recognised as the Digitally Fit Insurance CEO of the Year 2026. Because these claims are published by the company and its own channels, customers seeking independent confirmation may wish to consult the relevant award organisers. (mykava.co.ke)

Awards may demonstrate visibility and industry recognition, but they should not replace proper policy comparison.

The real test remains:

• Is the insurer licensed?
• Is the quotation suitable?
• Are the terms clear?
• Can the premium be sustained?
• Are important risks covered?
• Does the customer understand the claims process?

Serving Westlands, Nairobi and the Rest of Kenya

Imana’s office is located at:

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

The company publishes this location together with its phone, email and digital contact channels. (Imana)

The office is convenient for customers around:

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

Customers outside Nairobi can begin the quotation process digitally, submit documents online and receive assistance through WhatsApp, phone or email.

How to Get Started

The insurance process can begin in five practical steps.

Step 1: Request a Free Quotation

Provide the relevant details about your vehicle, family, employees, property, journey or business.

Step 2: Receive Available Options

Imana identifies suitable insurers and obtains quotations, subject to underwriting requirements.

Step 3: Compare the Terms

Review the premiums, benefits, limits, excesses and exclusions.

Step 4: Select and Pay

Choose the suitable quotation and pay through the approved insurer or intermediary payment channel.

Always obtain an official receipt.

Step 5: Confirm the Cover

Check the policy schedule or certificate before relying on the insurance.

Confirm:

• Your name
• Registration number or insured item
• Policy period
• Insurer
• Cover type
• Limits
• Premium
• Applicable endorsements

Contact Imana Insurance Agency Kenya Ltd

Office: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
Call or WhatsApp: +254 796 209 402
Email: insurance@imana.co.ke

Customers can also access Imana through its official website and the MyKava digital insurance platform. (Imana)

Compare before you buy. Understand before you sign. Choose insurance that protects the risk—not merely the cheapest premium.

Frequently Asked Questions

Is Imana an insurance company?

No. Imana is an insurance intermediary that helps customers arrange policies underwritten by licensed insurance companies.

Is MyKava the same as Imana?

MyKava is the online insurance platform associated with Imana. The underwriting insurer will still be identified on each quotation and policy.

Can Imana compare quotations from several insurers?

Yes. The agency promotes quotation comparison across trusted insurance companies, subject to each insurer’s underwriting appetite and product availability.

How quickly can I get motor insurance?

Imana states that qualifying digital motor certificates may be processed within about 30 minutes after the required documents, payment and approvals are received. More complex risks may take longer. (Imana)

Does Imana arrange medical insurance?

Yes. It assists individuals, families, groups and companies with medical insurance comparisons.

Can Imana insure PSV vehicles and motorcycles?

Yes. Its published motor products include private, commercial, PSV, motorcycle, Tuk-Tuk and other specialised vehicle classes. (Imana)

Does Imana help with claims?

The agency advertises claims support and can help customers understand the notification and documentation process. The underwriting insurer remains responsible for assessing the claim under the policy terms. (Imana)

Where is Imana located?

The office is on the fourth floor of Krishna Centre, Woodvale Grove, Westlands, Nairobi. (Imana)

Insurance quotations, premiums, limits, benefits, processing times and claims are subject to the underwriting requirements and policy wording of the selected insurance company. Customers should verify the insurer and intermediary through the Insurance Regulatory Authority’s current licensed-entities registry before purchasing cover.