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?
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Inform us immediately after an incident.
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We will guide you to collect necessary documents (e.g., police abstract, medical report).
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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.