• By Raymond Momanyi

Buy Insurance Online in Kenya | Car, Medical, Travel & PI

Buy insurance online in Kenya with Imana. Compare car, medical, travel and professional indemnity cover from trusted insurers and get expert support.

Buying insurance in Kenya no longer has to mean visiting several offices, making endless phone calls or waiting days for quotations.

Today, you can request insurance quotations, compare cover options and arrange your insurance from your phone, tablet or computer.

At Imana Insurance Agency Kenya Ltd, the process is built around one simple idea:

Get Quotes. Compare. Choose. Get Covered.

Whether you need car insurance, medical insurance, travel insurance or professional indemnity insurance, Imana helps you understand the available options before you make a decision.

The goal is not simply to find the lowest premium.

It is to help you compare price, benefits, limits, excesses, exclusions and insurer terms so you can choose cover that genuinely fits your needs.

Imana Insurance Agency Kenya Ltd is based at 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi, and serves clients digitally across Kenya.

What Insurance Are You Looking For?

Choose what you want to protect.

🚗 Car Insurance

Own or drive a vehicle?

Explore Motor Insurance in Kenya.

🏥 Medical Insurance

Looking for cover for yourself, your family, parents or employees?

Compare Health & Medical Insurance in Kenya.

Imana’s medical insurance offering includes options for individuals, families, SMEs and corporate clients, with benefits that may include inpatient, outpatient, maternity, dental, optical and other medical benefits depending on the plan selected. (Imana)

✈️ Travel Insurance

Travelling abroad for business, study, holiday or family visits?

Explore Travel Insurance in Kenya.

💼 Professional Indemnity Insurance

Do clients rely on your professional advice, expertise or services?

Explore Professional Indemnity Insurance.

How Does Buying Insurance Online in Kenya Work?

The process is straightforward.

1. Tell Us What You Want to Insure

Start with the risk you want to protect.

It could be:

• A private car
• A commercial vehicle
• Your family’s health
• An overseas trip
• A consultancy business
• Professional services
• Employees
• Property
• Business operations

The more accurately the risk is described, the easier it becomes to compare suitable quotations.

2. Provide the Basic Information Required

Different insurance classes require different information.

For motor insurance, you may be asked for details such as:

• Vehicle registration number
• Make and model
• Year of manufacture
• Vehicle value
• Type of use
• Claims history

For medical insurance, insurers may consider:

• Age
• Number of family members
• Inpatient limit
• Outpatient requirements
• Maternity requirements
• Dental or optical benefits
• Existing medical conditions, where disclosure is required

For professional indemnity insurance, quotation requirements may include:

• Profession
• Nature of services
• Annual turnover
• Number of employees
• Claims history
• Required indemnity limit

3. Get Insurance Quotations

Instead of approaching insurers one by one, an insurance intermediary can help you compare appropriate quotations from different providers.

This can make it easier to understand the differences between policies before you commit.

4. Compare More Than the Price

This is where many insurance buyers get it wrong.

A cheaper quotation is not automatically the better quotation.

Before choosing cover, ask:

What is covered?

What is excluded?

What excess will I pay when making a claim?

What are the policy limits?

Are there sub-limits?

Are there waiting periods?

Which extensions are included?

What happens when I need to make a claim?

A better insurance question is not simply:

“How much is the premium?”

It is:

“What am I getting for this premium?”

That one question can completely change the quality of an insurance decision.

Can I Buy Car Insurance Online in Kenya?

Yes.

Motor insurance is one of the most convenient insurance products to arrange digitally.

Depending on the vehicle and its use, you may require cover for:

• Private cars
• Commercial vehicles
• Pickups
• Vans
• Trucks
• PSV taxis
• App-based taxis
• Matatus
• Buses
• Motorcycles
• Boda bodas
• Tuk-Tuks
• School buses
• Tour vehicles

Common motor insurance options include:

Third Party Only

This provides the legally required third-party liability protection, subject to the policy terms.

Third Party Fire & Theft

This adds certain fire and theft protection to third-party liability.

Comprehensive Motor Insurance

This generally provides broader cover for accidental loss or damage to the insured vehicle in addition to third-party liability, subject to policy terms, exclusions and excesses.

Before choosing comprehensive insurance, compare items such as:

• Excess
• Windscreen limits
• Political Violence & Terrorism cover
• Road rescue
• Courtesy car
• Loss of use
• Territorial limits
• Excess protector

👉 Compare Motor Insurance Options

Can I Compare Medical Insurance Online in Kenya?

Yes.

Medical insurance is especially important to compare carefully because two plans with similar premiums can have very different benefits.

Imana’s current health insurance offering serves individuals, families, SMEs and corporate clients, with packages that can include inpatient, outpatient, maternity, dental, optical and chronic illness-related benefits depending on the selected plan. (Imana)

Before buying medical insurance, ask:

• Who needs to be covered?
• What inpatient limit is suitable?
• Do you need outpatient cover?
• Is maternity required?
• Are dental and optical benefits important?
• Which hospitals are available?
• Are there waiting periods?
• Are chronic conditions covered?
• What are the age limits?

Medical insurance should be compared on benefits and access, not just premium.

👉 Compare Medical Insurance in Kenya

Can I Buy Travel Insurance Online Before Leaving Kenya?

Yes.

Travel insurance can be arranged before your trip and is relevant for people travelling for:

• Holidays
• Business
• Studies
• Conferences
• Family visits
• Medical travel
• Visa applications

Depending on the policy, travel insurance may include benefits relating to:

• Emergency medical expenses
• Hospitalisation abroad
• Emergency evacuation
• Baggage
• Trip interruption
• Trip cancellation
• Personal accident
• Travel assistance

Before buying, check:

• Destination
• Duration of travel
• Traveller’s age
• Medical benefit limits
• Emergency assistance
• Territorial scope
• Exclusions
• Excesses
• Policy start and end dates

Do not assume all travel insurance policies are identical.

👉 Explore Travel Insurance

Who Needs Professional Indemnity Insurance?

Professional Indemnity Insurance is especially relevant if clients pay you for advice, expertise, designs, consultancy or professional services.

It can help protect professionals and businesses against covered claims arising from professional mistakes, errors, omissions or negligence.

Depending on the policy, Professional Indemnity may respond to costs associated with:

• Allegations of professional negligence
• Errors and omissions
• Breach of professional duty
• Defence costs
• Covered compensation claims
• Settlements or damages, subject to policy terms

Professionals who may need PI cover include:

• Consultants
• Architects
• Engineers
• Accountants
• Lawyers
• Medical professionals
• IT consultants
• Designers
• Project managers
• Surveyors
• Financial advisers
• Other professional service providers

A useful question is:

If a client accused the business of making a professional mistake that caused them a major financial loss, could the business comfortably fund the legal defence itself?

If the answer is no, Professional Indemnity deserves serious consideration.

👉 Explore Professional Indemnity Insurance

Which Insurance Do You Need?

Use this quick guide.

Own or drive a vehicle?
Start with Motor Insurance.

Want protection against major medical bills?
Explore Medical Insurance.

Travelling outside Kenya?
Consider Travel Insurance.

Provide professional advice or services?
Consider Professional Indemnity Insurance.

Run a business with several risks?
You may need a combination of policies.

Insurance works best as part of a risk management strategy, not simply as a collection of certificates.

Why Compare Insurance Quotations Before Buying?

Policies with the same name can still differ significantly.

Two comprehensive motor quotations, for example, may have different:

• Excesses
• Windscreen limits
• Theft conditions
• PVT extensions
• Courtesy car benefits
• Road rescue benefits
• Territorial limits

Two medical insurance quotations may differ in:

• Hospital network
• Inpatient limit
• Outpatient limit
• Maternity
• Dental
• Optical
• Waiting periods
• Chronic illness benefits

Professional indemnity quotations may differ by:

• Indemnity limit
• Excess
• Retroactive date
• Territorial jurisdiction
• Covered professions
• Exclusions

That is why comparison matters.

Why Use an Insurance Intermediary?

Going directly to one insurer means you are generally reviewing that insurer’s own products.

Working with an insurance intermediary gives you an opportunity to compare appropriate options and receive guidance before buying.

Imana helps clients review quotations, understand policy terms and arrange insurance while also supporting policy servicing and claims enquiries.

The company operates from Westlands, Nairobi, while offering digital insurance support to clients across Kenya.

Insurance Online in Nairobi, Westlands and Across Kenya

Imana Insurance Agency Kenya Ltd is based at:

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

Clients can also start the insurance process remotely.

That means quotations and insurance enquiries can come from:

Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, Thika, Nyeri, Meru, Machakos, Kitengela, Naivasha, Nanyuki, Kisii, Kakamega and other parts of Kenya.

This makes Imana both a Westlands insurance agency and an online insurance intermediary serving clients throughout Kenya.

Frequently Asked Questions

Can I get an insurance quote online in Kenya?

Yes. You can submit the required information digitally and receive quotations for comparison before choosing a policy.

Can I compare different insurance companies?

Yes, depending on the insurance class and risk, an intermediary can help you review suitable quotations from participating insurers.

Can I buy third-party car insurance online?

Yes. Third-party motor insurance can commonly be arranged through digital channels once the required vehicle details and payment are completed.

Can I get comprehensive car insurance online?

Yes. The quotation and documentation process can largely be handled digitally. Some vehicles may require valuation or other underwriting requirements.

Can I arrange family medical insurance online?

Yes. Once the required details are submitted, quotations can be prepared for individuals and families.

Can senior citizens get medical insurance in Kenya?

Options may be available depending on age, insurer requirements and the specific product. Always compare entry ages, renewal ages, limits, exclusions and waiting periods.

Can I buy travel insurance online?

Yes. Travel insurance can be arranged before departure once the traveller details, destination and travel dates are provided.

Is Professional Indemnity the same as Public Liability?

No.

Professional Indemnity generally relates to covered claims arising from professional advice, services, errors or negligence.

Public Liability generally relates to covered third-party bodily injury or property damage arising from business operations.

They protect against different types of risk.

Can businesses buy insurance online?

Yes. Businesses can request quotations for products such as:

• Professional Indemnity
• WIBA
• Group Medical
• Motor Fleet
• Property Insurance
• Public Liability
• Employers Liability
• Marine Insurance
• Goods in Transit
• Contractors All Risk
• Business Interruption

Ready to Get Covered?

Start with one question:

What are you trying to protect?

Your car?

Your health?

Your trip?

Your profession?

Your business?

Once the risk is clear, comparing the right insurance becomes much easier.

Start here:

🚗 Motor Insurance in Kenya

🏥 Health & Medical Insurance

✈️ Travel Insurance

💼 Professional Indemnity Insurance

Or contact:

Imana Insurance Agency Kenya Ltd
4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

Call/WhatsApp: +254 796 209 402

Website: www.imana.co.ke

DISKAVA BETA KAVA.

Imana Insurance Agency Kenya Ltd is an insurance intermediary based at 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi, helping individuals and businesses compare insurance quotations for motor, medical, travel, professional indemnity and other insurance products in Kenya.