Insurance solutions explained clearly.

General Insurance

A comprehensive general insurance policy secures your assets, mobility and legal standing by covering damages to property, vehicles and liabilities owed to others.

Property Insurance

• Homeowners Package: Protects buildings, walls, roofs and contents against fire, theft and natural disasters.
• Renters Cover: Shields personal belongings and interior fixtures for leased spaces.
• Commercial Property: Covers business premises, stock and interruption risks.

Mobility Insurance

• Comprehensive Motor Cover: Covers accidental damage, fire, theft and natural perils.
• Standard Extensions: May include road rescue, windscreen replacement and loss of use.
• Third-Party Only: Covers damages or injuries caused to third parties.

Liability Insurance

• Public Liability: Protects against claims from third-party injury or property damage.
• Personal Accident: Supports medical costs, disability or death benefits after an accident.

Motor Insurance

Motor insurance protects you from financial loss caused by accidents, theft, fire and legal liabilities. In Kenya, Third-Party Only cover is the legal minimum.

Key Categories

• Third-Party Only: Covers injury, death or property damage caused to others.
• Third-Party, Fire and Theft: Adds protection if your vehicle is stolen or catches fire.
• Comprehensive: Protects your own vehicle plus third-party liabilities.

Requirements

• Copy of logbook or title document.
• Vehicle valuation report.
• KRA PIN and ID or passport copy.
• Proof of anti-theft tracking device where required.

Fire Insurance

Fire insurance covers financial losses caused by accidental fire, lightning and related perils to buildings, equipment and contents.

Common Coverage

• Fire, lightning, explosions and burst water pipes.
• Storms, floods, earthquakes and bushfires.
• Riots, strikes and malicious damage where included.

Policy Types

• Domestic Fire: For homes, contents and domestic property risks.
• Commercial Fire: For business buildings, machinery, stock and interruption risks.

Burglary Insurance

Burglary insurance covers loss of insured property following forcible and violent entry or exit from your premises.

What Is Covered

• Loss of items after forced entry or exit.
• Damage to building structures during the break-in.
• Business stock, furniture, fixtures and office equipment.
• Hold-up or theft involving violence or threat.

Engineering Insurance

Engineering insurance protects construction projects, industrial plants and machinery from physical damage, technical failure and third-party liabilities.

• Contractors' All Risks: For civil works and building projects.
• Erection All Risks: For assembling and installing heavy plant machinery.
• Plant & Machinery: For movable construction equipment.
• Machinery Breakdown: For sudden mechanical or electrical failure.

Marine Insurance

Marine insurance protects goods, ships and transport interests against loss or damage during movement by sea, air, road or rail.

• Marine Cargo: Protects goods in transit, often warehouse-to-warehouse.
• Marine Hull: Covers vessels, machinery and related liabilities.
• Freight Insurance: Protects shipping income when cargo cannot be delivered.

Medical Insurance

Medical insurance protects individuals, families and employees from the cost of healthcare, hospitalization and routine treatment.

• Inpatient: Hospitalization, surgeries, ICU and emergency ambulance.
• Outpatient: Doctor visits, lab tests and prescriptions.
• Maternity: Prenatal, delivery and postnatal care.
• Specialized Covers: Dental, optical and critical illness benefits.

Individual Medical

Individual medical insurance covers one person's healthcare needs. Coverage can be shaped around age, budget, preferred hospitals and benefit limits.

Aviation Insurance

Aviation insurance supports risks connected to aircraft operations, aviation businesses and mechanical flight activities, including aircraft damage and third-party liability.