Buy Insurance Online – Instant Cover from AAR
Get your official AAR Insurance cover quickly and securely. As an authorized agent, we provide direct access to their online platform. Select your product below, fill out the simple form, and get protected in minutes. All applications are processed directly and underwritten by AAR Insurance Kenya.
Personal Accident Insurance
Essential protection against accidental injury, disability, or death for individuals and families. Perfect for: Students, Employees, Families..
Travel Insurance
Full protection for your trips abroad—covers health, cancellations, luggage, and more. Perfect for: Holidaymakers, Business Travelers.
Professional Indemnity
Mandatory cover for accountants against claims of professional error or negligence. Perfect for: Accountants, ICPAK Members, Consultants.
Marine Cargo Insurance
Safeguards your goods against loss or damage during international shipping. Perfect for: Importers, Exporters, Manufacturers..
Motor Insurance Cover
Essential motor insurance protection against accidents, loss, and third-party liabilities. Perfect for: Private car owners, Commercial vehicles, Motorists.
Medical Insurance Cover
Essential medical insurance protection covering hospitalization, outpatient care, and emergencies. Perfect for: Individuals, Families, Employees.
Junior Medical CAARE
Essential medical insurance protection for children, covering hospitalization, outpatient care, and specialist visits. Perfect for: Children aged 0–18 years, Families with kids, Guardians.
KRNA Professional Indemnity Cover
Essential protection for healthcare professionals, covering legal costs and liability claims arising from professional practice. Perfect for: Nurses, healthcare practitioners, and licensed professionals.
Buy Insurance Online – Instant Cover from CIC
Get your official CIC Insurance cover quickly and securely. As an authorized agent, we provide direct access to their online platform. Select your product below, fill out the simple form, and get protected in minutes. All applications are processed directly and underwritten by CIC Insurance Kenya.
Motor Commercial Insurance
Protect your business vehicles—vans, trucks, buses—with comprehensive cover for accidents, theft, third-party liability, and goods in transit. Keep your business moving with CIC. Quick online quotes.
CIC Seniors Mediplan
Tailored medical cover for Kenyans aged 60+. Affordable premiums, comprehensive inpatient & outpatient care, chronic illness management, and flexible limits. Secure quality healthcare in your golden years.
CIC Family Medisure
Comprehensive medical cover for your entire family. Affordable premiums, wide hospital network, inpatient & outpatient care, maternity, dental, and wellness benefits. Protect your loved ones’ health under one simple plan.
Golfer / Sportsman Insurance
Specialized cover for sports enthusiasts. Protects against equipment loss, personal accidents on the course or field, liability for third-party injury, and tournament fees. Play with confidence.
Student/ personal Accident Cover
Affordable protection against accidental injury, disability, or death. Includes medical expenses, permanent disablement benefits, and education continuation support. Ideal for students and individuals—secure your safety and future.
Private Motor Insurance
Comprehensive protection for your personal vehicle. Covers accidental damage, theft, fire, and third-party liability. Optional add-ons include windscreen repair, medical expenses, and roadside assistance. Drive with peace of mind, insured by CIC.
Marine Cargo Policy
Protect your shipped goods—by sea, air, or land—against loss, damage, or theft during transit. Covers imports, exports, and domestic shipments. Ensure your cargo reaches safely, anywhere in the world. Trusted cover for traders and logistics partners.
Motor Commercial Insurance
Protection for business vehicles—trucks, vans, buses, and fleets—against accidents, theft, fire, and third-party liabilities. Optional covers include goods-in-transit and passenger liability. Keep your business moving with reliable, tailored commercial vehicle cover.
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Frequently Asked Questions (FAQs)
🛡️ General Insurance Questions
1. Why do I need insurance?
Insurance is a safety net. It protects you from unexpected financial loss due to accidents, illness, theft, or liability. It provides peace of mind and financial security for you, your family, and your assets.
2. How do I choose the right insurance?
Consider what you need to protect (your car, health, business, family’s future) and your budget. We guide you through this process by comparing options and explaining coverage in simple terms.
3. What is an insurance premium?
The premium is the amount you pay, usually monthly or annually, to keep your insurance policy active. It is calculated based on risk, coverage amount, and other factors.
4. What is a policy excess?
The excess is the portion of a claim you agree to pay yourself. For example, if your excess is KES 5,000 and the repair cost is KES 20,000, the insurer pays KES 15,000. A higher excess usually means a lower premium.
5. How do I make a claim?
Inform us immediately after an incident.
We will guide you to collect necessary documents (e.g., police abstract, medical report).
We submit and follow up on the claim with the insurer on your behalf. Our support is free.
This depends on your car’s value and your budget. Comprehensive is best for newer or financed cars—it covers both your car and damage to others. Third-Party is the legal minimum, only covering damage you cause to others; it’s a smart choice for older, lower-value cars.
Most plans have a waiting period (usually 1-2 years). After this period, declared conditions may be covered. It’s crucial to be honest during application to avoid claim rejection later.
Yes, absolutely. Kenyan law requires all employers—even with one part-time employee—to have WIBA cover. It protects your workers and shields you from massive liability fines and lawsuits.
If you stop paying, after a grace period your policy may lapse. However, many policies have a surrender value (cash value built up) that you can claim, or can be made paid-up (keeping reduced coverage with no more payments). We can help you choose the best option.
Home insurance has very low sub-limits for specific items like jewelry (e.g., only Ksh 20,000 per item). All Risk insurance allows you to insure each valuable item for its full appraised value and covers loss or damage anywhere in the world, not just at home.
This is the key benefit. The policy includes a waiver of premium benefit. If the parent passes away, the insurance company pays all future premiums, guaranteeing the full education fund will be available when the child reaches university age.
NHIF or health insurance covers medical bills. Personal Accident insurance pays a tax-free lump sum cash benefit directly to you or your family in case of accidental death, disability, or serious injury. This cash helps replace lost income, pay for home modifications, or cover funeral costs—things medical bills don’t address.