• By Raymond Momanyi

Insurance in Kenya | Motor, Medical, WIBA, PSV & More | Imana Insurance

Explore insurance in Kenya with Imana Insurance Agency Kenya Ltd. Compare motor, medical, corporate, WIBA, PSV, travel, motorcycle, COMESA, marine, life and Professional Indemnity insurance solutions.

Insurance can feel complicated when every product has different limits, exclusions, pricing structures and claims procedures.

At Imana Insurance Agency Kenya Ltd, the goal is to make insurance easier to understand and easier to compare.

Individuals, families, SMEs and corporate organisations can explore multiple insurance categories through one intermediary and choose cover according to their actual needs.

Whether you are looking for:

• Motor Insurance
• Medical Insurance
• Corporate Insurance
• WIBA
• PSV Insurance
• Travel Insurance
• Motorcycle Insurance
• COMESA Yellow Card
• Marine Cargo Insurance
• Life Insurance
• Last Expense
• Professional Indemnity

Imana provides insurance information, quotation support and policy guidance across these categories.

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

MyKava Travel & Insurance:
https://www.mykava.co.ke

Learn. Compare. Get a Quote. Buy. Claim. Renew—with Imana.

1. Motor Insurance Quotations in Kenya

Motor Insurance is one of the most common insurance products in Kenya.

Vehicle owners can compare quotations for:

• Private cars
• Commercial vehicles
• PSVs
• Motorcycles
• Tuk-Tuks
• School buses
• Tour vehicles
• Fleet vehicles

Depending on the vehicle and insurer, available options may include:

• Comprehensive Motor Insurance
• Third Party Only
• Third Party Fire and Theft

Comprehensive Motor Insurance

Comprehensive cover may include:

• Accidental damage
• Fire
• Theft
• Third-party liability
• Flood
• Other insured risks and extensions

Third Party Insurance

Third Party cover mainly protects against eligible liabilities involving other people and their property.

It does not ordinarily pay for accidental damage to your own vehicle.

What should you compare?

When comparing Motor Insurance quotations, check:

• Premium
• Vehicle value
• Excess
• Excess Protector
• PVT
• Windscreen limit
• Courtesy car
• Road rescue
• Claims process

Get a Motor Insurance quotation

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

2. Medical Insurance Quotations in Kenya

Medical Insurance can be arranged for:

• Individuals
• Families
• Children
• Senior citizens
• SMEs
• Corporate groups

Medical policies may include:

• Inpatient
• Outpatient
• Maternity
• Dental
• Optical
• Chronic-condition treatment
• Cancer benefits
• Renal benefits
• Last Expense

The important thing is not to compare premium alone.

Check:

• Hospital network
• Co-payments
• Waiting periods
• Age limits
• Benefit sublimits
• Family structure
• Chronic-condition provisions

Medical Insurance Quotations

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

3. Corporate Insurance in Kenya

Corporate Insurance is not one single policy.

It is usually a combination of covers designed to protect:

• Employees
• Assets
• Business income
• Liability
• Vehicles
• Technology
• Cargo
• Professional services

A corporate insurance programme may include:

• WIBA
• Group Personal Accident
• Group Life
• Group Medical
• Professional Indemnity
• Public Liability
• Fire Insurance
• Business Interruption
• Cyber Insurance
• Motor Fleet
• Marine Insurance

The right programme depends on the organisation’s actual risk profile.

Corporate Insurance

https://www.imana.co.ke/insurance/corporate-insurance

4. WIBA Insurance in Kenya

WIBA Insurance helps employers manage qualifying liabilities arising from work-related injuries and occupational diseases.

It is relevant to:

• SMEs
• Corporates
• Construction companies
• Schools
• Restaurants
• Hospitals
• Security companies
• Logistics businesses
• Professional firms

A WIBA quotation may depend on:

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

Employers should keep employee and payroll information up to date.

WIBA Insurance

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

5. PSV and Matatu Insurance in Kenya

PSV means Public Service Vehicle.

A matatu is a PSV, but PSV is broader than matatu.

PSV categories may include:

• Matatu
• Bus
• School bus
• Staff bus
• Taxi
• Uber and Bolt
• Private hire
• Tour van
• Shuttle

Insurance depends on the declared use of the vehicle.

PSV cover may be arranged as:

• Comprehensive
• Third Party

Passenger Legal Liability is also an important consideration because PSVs carry passengers.

PSV and Matatu Insurance

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

6. Travel Insurance in Kenya

Travel Insurance can protect travellers against specified risks during local or international trips.

It may be suitable for:

• Holiday travellers
• Business travellers
• Students
• Families
• Senior travellers
• Corporate travellers

Benefits may include:

• Emergency medical expenses
• Medical evacuation
• Repatriation
• Trip cancellation
• Baggage loss
• Travel delay
• Passport loss

Travel Insurance requirements vary according to:

• Destination
• Traveller age
• Trip duration
• Visa requirements

Travel Insurance

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

MyKava Travel & Insurance

https://www.mykava.co.ke

7. Motorcycle Insurance in Kenya

Motorcycle Insurance can be arranged for different uses.

These may include:

• Private motorcycles
• Commercial motorcycles
• Delivery motorcycles
• PSV boda bodas

The correct use must be declared.

A boda boda used for passenger transport should not be insured as a purely private motorcycle.

Depending on the insurer and vehicle, cover may be:

• Comprehensive
• Third Party

Motorcycle Insurance

https://www.imana.co.ke/motorcycle-insurance

8. COMESA Yellow Card Insurance

The COMESA Yellow Card is a regional motor Third Party Insurance system for cross-border travel within participating countries.

It can be relevant to:

• Private motorists
• Commercial vehicles
• Motorcycles
• Tour operators
• Cross-border transport businesses

The Yellow Card should not automatically be confused with Comprehensive Motor Insurance.

A motorist may require:

Comprehensive Motor Insurance + COMESA Yellow Card

for broader protection.

COMESA Yellow Card

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

9. Marine Cargo Insurance in Kenya

Marine Cargo Insurance protects eligible goods while they are being transported.

It may be relevant to:

• Importers
• Exporters
• Manufacturers
• Traders
• Logistics businesses
• Contractors

Marine Cargo may protect goods moving by:

• Sea
• Air
• Road
• Rail

depending on the policy.

Common insured items include:

• Machinery
• Electronics
• Raw materials
• Finished goods
• Commercial stock
• Construction equipment

Businesses importing regularly may also consider annual Marine Open Cover arrangements.

10. Life and Last Expense Insurance

Life Insurance provides financial protection to dependants when an insured person dies, subject to the policy.

Life Insurance can help with:

• Household expenses
• School fees
• Loans
• Mortgage obligations
• Long-term family financial planning

Last Expense Insurance

Last Expense Insurance is designed to help meet funeral-related costs.

It may be arranged for:

• Individuals
• Families
• Groups
• Employees

Life Insurance and Last Expense serve different purposes.

A household may consider both.

11. Professional Indemnity Insurance in Kenya

Professional Indemnity Insurance protects eligible professionals and businesses against claims arising from professional negligence, errors or omissions.

It may be relevant to:

• Lawyers
• Accountants
• Consultants
• Architects
• Engineers
• Doctors
• Medical facilities
• Valuers
• Technology companies
• Project managers

Typical claims may involve allegations of:

• Incorrect advice
• Professional negligence
• Errors
• Omissions
• Failure to perform professional duties

Important things to compare include:

• Limit of indemnity
• Excess
• Retroactive date
• Territorial jurisdiction
• Defence costs
• Exclusions

Professional Indemnity Insurance

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

Why Compare Insurance Quotations?

Insurance companies may price the same risk differently.

But comparison should not focus only on premium.

You should compare:

• Sum insured
• Benefits
• Excesses
• Sublimits
• Exclusions
• Waiting periods
• Claims requirements
• Optional extensions
• Territorial scope

The cheapest quotation is not always the best value.

A low premium can become expensive when a claim reveals what the policy did not include.

Insurance for Individuals

Individuals may require:

• Motor Insurance
• Medical Insurance
• Life Insurance
• Travel Insurance
• Personal Accident
• Last Expense

The right mix depends on:

• Income
• Dependants
• Assets
• Health needs
• Travel habits
• Financial obligations

Insurance should be built around the individual’s actual risk.

Insurance for Families

Families may consider:

• Family Medical Insurance
• Motor Insurance
• Home Insurance
• Life Insurance
• Personal Accident
• Travel Insurance
• Last Expense

A family should think about both:

• Everyday risks
• Large unexpected financial losses

The goal is not to insure everything.

It is to protect against risks that could seriously affect the household financially.

Insurance for SMEs

SMEs may need:

• WIBA
• Commercial Motor
• Fire Insurance
• Business Interruption
• Public Liability
• Cyber Insurance
• Professional Indemnity
• Medical Insurance
• Marine Cargo

The insurance programme should evolve as the business grows.

A company that begins with three employees and one vehicle may later have:

• Twenty employees
• Several vehicles
• Expensive machinery
• Customer data
• Imported stock

The insurance should change with the business.

Insurance for Corporate Organisations

Corporate organisations may require a structured combination of:

• Group Medical
• Group Life
• WIBA
• GPA
• Motor Fleet
• Property Insurance
• Business Interruption
• Marine
• Cyber
• Professional Indemnity
• Public Liability

Corporate Insurance should be reviewed regularly as:

• Payroll changes
• Assets increase
• New branches open
• Business activities change
• New risks emerge

How to Get an Insurance Quote Through Imana

Step 1: Identify the insurance need

For example:

• Motor
• Medical
• WIBA
• Travel
• Corporate
• Marine

Step 2: Provide accurate information

The quotation depends on the risk information supplied.

Step 3: Compare options

Review both:

• Premium
• Policy terms

Step 4: Select suitable cover

Choose according to:

• Risk
• Budget
• Required benefits

Step 5: Buy and keep your documents

Retain:

• Policy
• Certificate
• Receipt
• Quotation
• Important correspondence

Step 6: Know the claims process

Insurance is most valuable when a claim happens.

Frequently Asked Questions

Where can I get Motor Insurance quotations?

Visit:

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

Where can I compare Medical Insurance?

Visit:

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

Does Imana offer Corporate Insurance?

Yes.

Visit:

https://www.imana.co.ke/insurance/corporate-insurance

Does Imana offer WIBA Insurance?

Yes.

Visit:

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

Is PSV the same as matatu?

No.

Matatu is one category of PSV.

Can I insure Uber or Bolt vehicles?

Yes, subject to appropriate PSV or taxi classification and insurer underwriting.

Does Imana offer Travel Insurance?

Yes.

Visit:

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

You can also explore:

https://www.mykava.co.ke

Can boda bodas get insurance?

Yes. Motorcycle Insurance can be arranged according to the actual motorcycle use.

What is COMESA Yellow Card Insurance?

It is a regional Third Party Motor Insurance system for cross-border travel in participating countries.

What is Marine Cargo Insurance?

It protects eligible goods during transit subject to policy terms.

Who needs Professional Indemnity?

Professionals and companies that provide advice, design, consulting or other professional services should consider it.

Imana Insurance Agency Kenya Ltd: Insurance Knowledge, Comparison and Quotation Hub

Imana Insurance Agency Kenya Ltd brings together multiple insurance categories in one place.

Customers can explore:

Motor

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

Medical

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

Corporate

https://www.imana.co.ke/insurance/corporate-insurance

WIBA

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

PSV

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

Travel

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

Motorcycle

https://www.imana.co.ke/motorcycle-insurance

COMESA Yellow Card

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

Professional Indemnity

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

Main Website

https://www.imana.co.ke

MyKava

https://www.mykava.co.ke

The Bottom Line

Insurance in Kenya is much broader than Motor Insurance alone.

Individuals, families and businesses may need several different forms of protection.

The key categories include:

• Motor – vehicles
• Medical – healthcare
• Corporate – business-wide protection
• WIBA – employee occupational risks
• PSV – passenger-service vehicles
• Travel – travel-related risks
• Motorcycle – private, commercial and boda boda
• COMESA – cross-border motor liability
• Marine – cargo and transit
• Life and Last Expense – family financial protection
• Professional Indemnity – professional liability

The smartest approach is not simply:

“Buy insurance.”

It is:

Understand the risk → Compare the options → Read the terms → Choose appropriate cover → Know how to claim.

Learn. Compare. Get a Quote. Buy. Claim. Renew—with Imana.

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

MyKava Travel & Insurance
https://www.mykava.co.ke

Insurance premiums, limits, excesses, exclusions, eligibility requirements and underwriting conditions vary between insurers and products. Always obtain current quotations and review the applicable policy wording before purchasing cover.