frequently asked questions

Insurance is a mechanism through which persons transfer risk(s) to insurance companies at a fee called a premium. Insurance companies in return promise to pay for the insured loss should it occur.

Only Motor Insurance is compulsory. One would be contravening Chapter 405 of the Statute Laws and is liable to a fine or imprisonment.

An agent has in-depth knowledge of risks, products, the Insurance market, rates, and processes and has diverse networks in the industry. You don’t have to go through the hustle of researching different Insurance Companies and learning all the finer details because that’s what an agent does for you. They are well-educated, experienced and want you to make the best-informed decisions.

Failure to pay Insurance premiums as stipulated in the policy amounts to a breach of policy terms and conditions and leads to the termination of the contract. This also means that you cannot make a claim.

Yes, upon prior notice to the insured. However, no notice of cancellation is adequate unless it is based on the occurrence, after the effective date of the policy, or one or more of the following:

* Non-payment of premium.
* Discovery of fraud or material misrepresentation.
* Physical changes in the property insured which results in the property becoming uninsurable.
* Discovery of willful or reckless acts or omissions increasing the risk one is insured against.
* Conviction of a crime arising out of acts increasing the risk insured against.

• Do not admit liability, inform us immediately – Call 0794 589905
• Take details of the other vehicle; car registration, the driver and the Insurance company involved
• Take photographs of the accident scene immediately
• Report the accident to the nearest police station immediately
• Move to a safe place – ideally the closest police station to you

Yes. An agent liaises with the insurer to get the best outcome for you. They assist you with filing a claim and doing a follow-up until the claim is sorted and your life resumes normally.

Is a policy that protects your home and belongings from damage or loss caused by various unforeseen events such as fire, theft, natural disasters, and liability. Home insurance policies in Kenya generally cover the structure of your home, personal belongings, and liability protection.

Home insurance is essential to protect your home and personal belongings from unexpected damages or loss. This policy provides financial security and peace of mind by compensating for the loss or damage caused by various risks.

Motor insurance being a personal contract it is not transferable to other parties. Thus, in the event of the sale of the vehicle(s), you will need to inform us in writing or return the original certificate of insurance to us immediately to facilitate suspension or cancellation and transfer cover to the new car.

Insurance Premium Finance is a short-term loan product designed to facilitate the financing of insurance premiums. This is given against the customer’s insurance premium bill for a maximum of 10 months with minimum finance of KES. 25,000.

The IPF loan involves a tripartite agreement between the customer, the insurance company(guarantor) and the bank(financier).

With this, one is covered for; Pre-existing, Chronic, Congenital, HIV/AIDS-related conditions, cancer treatment, organ transplant, lodger fees, and accidental dental/reconstructive surgery, among many others.

Optional Benefits: Outpatient cover, Maternity cover, Dental & Optical Cover.

So the value of insurance agents remains unmatched. Apart from selling insurance at affordable rates, an agent’s job includes:

• Determining client needs.
• Effectively communicate policy information to clients.
• Correctly calculate insurance premiums and verification settlement awards for clients.
• Explain, by citing the policy document, the reasons for any declinature of a claim.