• By Raymond Momanyi

Insurance Products in Kenya | Imana & MyKava

Explore insurance products available through Imana and MyKava, including Motor, Medical, WIBA, Travel, PSV, Motorcycle, Property, Business, Marine, Bonds and Personal Insurance.

Insurance should begin with the risk you need to protect.

A private motorist, a parent seeking medical cover, a boda boda rider, an SME employer, a contractor and an international traveller all need very different insurance solutions.

That is why this page is designed as a product directory, not another general insurance guide.

It helps you quickly identify the type of cover that may be relevant to you and then move to the appropriate detailed page or quotation process.

Imana Insurance Agency Kenya Ltd provides access to a range of personal, motor, medical, corporate and specialist insurance products.

MyKava supports selected digital insurance and travel-related customer journeys.

For quotations and product information:

www.imana.co.ke
www.mykava.co.ke

1. Motor Insurance

Motor Insurance protects against risks arising from the use of vehicles.

The correct cover depends on the actual use of the vehicle.

Available categories may include:

• Private Motor Insurance
• Commercial Motor Insurance
• PSV Insurance
• Taxi Insurance
• Matatu Insurance
• Bus Insurance
• School Bus Insurance
• Motorcycle Insurance
• Boda Boda Insurance
• Tour Vehicle Insurance
• Heavy Commercial Vehicle Insurance
• Fleet Insurance

Motor Insurance can generally be arranged as:

Third Party Only

Provides the statutory foundation for prescribed third-party liabilities.

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

Third Party, Fire and Theft

Provides third-party liability together with selected fire and theft protection for the insured vehicle.

Comprehensive Motor Insurance

May cover accidental damage, theft, fire and third-party liabilities, subject to policy terms, exclusions, limits and excesses.

Optional extensions may include:

• Excess Protector
• Political Violence and Terrorism
• Windscreen
• Road rescue
• Courtesy car
• Personal Accident
• Other vehicle-specific benefits

2. Private Car Insurance

Private Car Insurance is designed for vehicles genuinely used for private purposes.

Customers may compare:

• Third Party Only
• Third Party, Fire and Theft
• Comprehensive cover

The most suitable option depends on:

• Vehicle value
• Age
• Use
• Budget
• Excess
• Claims history
• Required extensions

A private-use policy should not be used where the vehicle is actually operating commercially or carrying fare-paying passengers.

3. Commercial Motor Insurance

Commercial Motor Insurance applies to vehicles used for business purposes.

Examples can include:

• Pickups
• Vans
• Lorries
• Trucks
• Trailers
• Delivery vehicles
• Commercial fleets

The insurer may consider:

• Nature of goods carried
• Vehicle use
• Operating territory
• Vehicle value
• Claims history
• Driver profile where relevant

Correct commercial classification is important.

4. PSV Insurance

PSV Insurance is designed for qualifying passenger-carrying vehicles used for hire or reward.

This may include:

• Taxis
• Ride-hailing vehicles
• Matatus
• Buses
• School buses
• Tour vans
• Private-hire vehicles

PSV Insurance should reflect the actual passenger exposure and vehicle category.

Important comparison factors can include:

• Third Party vs Comprehensive
• Passenger liability
• Seating capacity
• Excesses
• Vehicle value
• Policy period
• Claims terms

5. Motorcycle Insurance

Motorcycle Insurance can be arranged for different uses, including:

• Private motorcycles
• Boda boda
• Delivery motorcycles
• Commercial motorcycles
• Motorcycle fleets

The correct policy depends on how the motorcycle is actually used.

Key factors include:

• Passenger use
• Commercial use
• Third Party vs Comprehensive
• Theft cover
• Excess
• Personal Accident
• Policy period

6. COMESA Yellow Card

COMESA Yellow Card is relevant to motorists travelling across participating countries within the regional scheme.

It primarily addresses regional motor third-party liability.

It should not be confused with ordinary Travel Insurance.

A cross-border motorist may therefore need to consider both:

• Motor/COMESA protection
• Personal Travel Insurance

depending on the journey.

7. Medical Insurance

Medical Insurance can help individuals, families and organisations manage healthcare costs.

Available structures may include:

• Individual Medical Insurance
• Family Medical Insurance
• Child-only plans
• Senior Medical Insurance
• Group Medical Insurance
• SME Medical Insurance

Benefits may include:

• Inpatient
• Outpatient
• Maternity
• Dental
• Optical
• Chronic-condition benefits
• Cancer and renal benefits

subject to the selected plan.

8. Medical Insurance for Seniors

Senior Medical Insurance is designed for older customers and should be compared carefully.

Important factors include:

• Entry age
• Renewal age
• Inpatient limit
• Outpatient limit
• Chronic-condition cover
• Cancer and renal benefits
• Waiting periods
• Hospital network
• Co-payments

The cheapest plan is not necessarily the most suitable one for an older customer.

9. SHA and Private Medical Insurance

SHA and private Medical Insurance can serve different purposes.

For some households, the better approach may be to treat them as complementary rather than interchangeable.

Private Medical Insurance may provide additional benefits such as:

• Higher limits
• Wider private-hospital access
• Outpatient services
• Maternity
• Chronic-condition benefits
• Dental
• Optical

The exact benefits depend on the plan selected.

10. WIBA Insurance

WIBA addresses qualifying work-related injury and occupational risks.

It is particularly relevant to employers.

Underwriting may consider:

• Annual payroll
• Number of employees
• Employee occupations
• Industry
• Work locations
• Risk exposure

A low-risk office and a construction business should not be treated as the same risk.

11. Group Personal Accident

Group Personal Accident provides specified accident-related benefits depending on the policy.

It can be considered for:

• Employees
• Organised groups
• Students
• Associations
• Other eligible groups

GPA should not be assumed to be the same as WIBA.

They address different exposures.

12. Group Medical Insurance

Group Medical Insurance is designed for organisations that want to provide healthcare benefits to employees or members.

Plans may include:

• Inpatient
• Outpatient
• Maternity
• Dental
• Optical
• Chronic-condition benefits

Pricing can depend on:

• Group size
• Employee ages
• Benefit limits
• Claims experience
• Selected provider network

13. Group Life Insurance

Group Life Insurance can provide financial benefits to nominated beneficiaries following the death of an insured employee or group member, subject to the policy.

It can form part of an employer-benefits programme alongside:

• WIBA
• GPA
• Group Medical

14. Travel Insurance

Travel Insurance can protect against selected risks arising during travel.

It may include benefits relating to:

• Emergency medical treatment
• Medical evacuation
• Repatriation
• Baggage
• Travel delays
• Trip cancellation

subject to the selected plan.

Travel cover can be arranged for:

• Single trips
• Annual multi-trip
• Students
• Families
• Business travellers
• Senior travellers
• Schengen travellers

15. Property Insurance

Property Insurance can protect:

• Buildings
• Household contents
• Stock
• Machinery
• Equipment
• Office assets

Cover may respond to specified risks such as:

• Fire
• Theft
• Flood
• Accidental damage
• Other insured perils

The declared values should be realistic.

Underinsurance can affect claim settlement.

16. Fire and Allied Perils

Fire Insurance can protect buildings, stock, machinery and other business assets against insured fire-related losses.

Additional perils may be available depending on the policy.

Businesses should review:

• Sum insured
• Asset values
• Extensions
• Exclusions
• Business interruption needs

17. Business Interruption Insurance

Business Interruption Insurance can help address qualifying financial losses when an insured event disrupts normal business operations.

It may help with continuing expenses such as:

• Rent
• Salaries
• Fixed costs

subject to the policy.

It is often considered alongside Property Insurance.

18. Burglary Insurance

Burglary Insurance may protect insured property against specified theft-related risks following forcible or violent entry, depending on policy wording.

It can be relevant for:

• Shops
• Offices
• Warehouses
• Retail businesses
• Other commercial premises

19. Public Liability Insurance

Public Liability can respond to qualifying third-party injury or property-damage claims arising from business operations.

It may be relevant to:

• Restaurants
• Hotels
• Schools
• Contractors
• Property owners
• Event organisers
• Shops
• Service businesses

The liability limit should reflect the scale of the exposure.

20. Professional Indemnity Insurance

Professional Indemnity can protect against qualifying claims arising from professional advice, services, errors or omissions.

It may be relevant to:

• Consultants
• Lawyers
• Accountants
• Engineers
• Architects
• Medical professionals
• Technology professionals

The required cover depends on the profession and contractual exposure.

21. Cyber Insurance

Cyber Insurance can help businesses respond to selected cyber-related risks.

Depending on the policy, this may include elements such as:

• Data breach costs
• Cyber incident response
• Business interruption
• Liability

Cyber cover should be tailored to the organisation’s digital exposure.

22. Marine Cargo Insurance

Marine Cargo Insurance can protect goods being transported internationally, subject to the selected policy.

It may be relevant for:

• Importers
• Exporters
• Manufacturers
• Distributors
• Logistics businesses

Important considerations include:

• Nature of goods
• Value
• Route
• Packaging
• Mode of transport

23. Goods in Transit Insurance

Goods in Transit Insurance can protect goods while being transported within applicable territories.

It can be relevant to:

• Transporters
• Distributors
• Retailers
• Manufacturers
• Logistics businesses

The policy should reflect:

• Value of goods
• Routes
• Vehicle type
• Frequency of transit
• Nature of cargo

24. Contractors All Risks Insurance

Contractors All Risks can protect against selected risks arising during construction projects.

It may include:

• Material damage
• Third-party liability
• Project-related risks

subject to the specific policy.

The cover should reflect the contract value and project scope.

25. Erection All Risks Insurance

Erection All Risks is relevant to installation and erection projects.

It can apply to:

• Machinery
• Plant
• Engineering installations
• Industrial projects

The exact scope depends on the project.

26. Contractors Plant and Machinery Insurance

This cover can protect construction plant and machinery against specified accidental physical damage risks.

It may apply to:

• Excavators
• Loaders
• Cranes
• Bulldozers
• Other construction machinery

27. Bid Bonds

Bid Bonds are commonly required in tendering.

They provide security related to the bidder’s obligations under the tender process.

A bond is not the same as an ordinary insurance policy.

Underwriting can require:

• Tender documents
• Company information
• Financial information
• Other supporting documents

28. Performance Bonds

Performance Bonds support contractual performance obligations.

They are often required after a contractor has been awarded a project.

The required amount and terms depend on the contract and tender conditions.

29. Advance Payment Bonds

Advance Payment Bonds may be required where a contractor receives an advance payment before completing contractual work.

They provide security relating to that advance.

30. Immigration Bonds

Immigration Bonds may be required in specified immigration or employment-related situations.

The exact requirements depend on the relevant authority and circumstances.

31. Life Insurance

Life Insurance can provide financial protection to beneficiaries following the death of an insured person, subject to policy terms.

It may be relevant to:

• Parents
• Breadwinners
• Families
• Business owners
• Employees

The right level of cover depends on financial responsibilities.

32. Last Expense Insurance

Last Expense Insurance is generally designed to help with funeral-related expenses following the death of an insured person.

It may be available for:

• Individuals
• Families
• Groups
• Employees

33. Personal Accident Insurance

Personal Accident Insurance may provide specified benefits following accidental injury or death.

It can be relevant for:

• Individuals
• Drivers
• Riders
• Students
• Employees
• Groups

It should not be confused with Medical Insurance.

34. Home and Domestic Package Insurance

Home Insurance can protect residential risks such as:

• Building
• Contents
• Personal belongings
• Specified domestic liabilities

depending on the policy selected.

It may be useful for:

• Homeowners
• Tenants
• Landlords

35. Corporate Insurance

Corporate Insurance is not one single product.

It is usually a combination of covers selected according to the organisation’s risks.

A corporate programme may include:

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

The appropriate structure depends on the organisation.

Which Insurance Product Do You Need?

A simple way to narrow down the right product is to start with the risk.

If you own a vehicle:
Consider Motor Insurance.

If you need healthcare protection:
Consider Medical Insurance.

If you employ people:
Consider WIBA and other employee-benefit covers.

If you run a business:
Consider Property, Liability, Business Interruption and relevant specialist covers.

If you travel:
Consider Travel Insurance.

If you import or transport goods:
Consider Marine Cargo or Goods in Transit.

If you are a contractor:
Consider Contractors Insurance and relevant bonds.

If you want family financial protection:
Consider Life and Last Expense Insurance.

Why This Page Should Not Rank Insurers or Promise “Best Rates”

This page is intended to help customers identify the correct type of insurance, not to declare one insurer universally best.

Different insurers may have different:

• Underwriting appetites
• Premiums
• Limits
• Excesses
• Product features
• Eligibility criteria

The suitable choice depends on the actual risk and current quotation.

Can These Insurance Products Be Arranged Digitally?

Many quotation and policy processes can begin or be completed digitally, depending on the product and insurer.

A typical process may involve:

1. Sharing customer or business details
2. Providing supporting documents
3. Requesting quotations
4. Comparing available options
5. Selecting cover
6. Making payment through an approved channel
7. Receiving policy documentation

Some products may still require:

• Valuation
• Medical information
• Physical inspection
• Risk survey
• Financial documents
• Additional underwriting

Digital convenience does not remove underwriting requirements.

Why Use Imana & MyKava?

Imana Insurance Agency Kenya Ltd can assist customers with understanding and arranging insurance across multiple product categories.

The value of using an insurance intermediary is not simply receiving a price.

It is being able to understand:

• What type of cover is appropriate
• How available quotations differ
• What the important exclusions are
• What excesses apply
• What documents are required
• What happens during a claim

MyKava provides an additional digital channel for selected insurance and travel-related customer journeys.

Frequently Asked Questions

What insurance products does Imana offer?

Imana can assist with Motor, Medical, WIBA, PSV, Motorcycle, Travel, Property, Corporate, Marine, Liability, Bonds, Life and other selected insurance classes.

Does MyKava offer insurance?

MyKava supports selected digital insurance and travel-related customer journeys. Product availability should be confirmed at the time of quotation.

Can I compare several insurance options?

Yes. Depending on the product and available insurer options, you can review more than one quotation before choosing cover.

Can I buy insurance online?

Many insurance processes can be handled digitally, subject to product and underwriting requirements.

Does Imana settle claims?

The insurer or underwriter ultimately determines and settles admissible claims. Imana can assist with documentation, communication and follow-up.

Which insurance product is best?

The right product depends on the specific risk. The first step is identifying what you need to protect.

Find the Right Insurance Product

This page should function as Imana’s insurance product directory.

It should not compete with your detailed Motor, Medical, WIBA, PSV, Travel or Business Insurance guides.

Instead, each section should link to the relevant definitive page.

That creates the correct SEO architecture:

Insurance Products → Product Category → Comparison Page → Price Page → Quote

For example:

Insurance Products
→ Motor Insurance
→ Compare Motor Insurance Quotes
→ Third Party Price Guide
→ Comprehensive Price Guide
→ Get Quote

The same structure should apply to Medical, WIBA, PSV, Motorcycle, Travel and other major classes.

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

MyKava
www.mykava.co.ke

WhatsApp:
+254 796 209 402 / +254 745 218 460

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

Find the risk. Choose the product. Compare the terms.

Insurance product availability, premiums, benefits, limits, insurer appetite and underwriting requirements can change. Always obtain a current quotation and review the applicable policy wording before purchasing cover.