New KRA Law on Car Import Taxes: What Changes July 1, 2025
Starting July 1, 2025, the Kenya Revenue Authority (KRA) will implement a new law that significantly changes how import taxes on used vehicles are calculated. This update involves a revised Current Retail Selling Price (CRSP) schedule, which directly affects the taxable value of imported cars. The new CRSP aims to better reflect actual market prices, ensuring fair taxation and closing revenue gaps. However, it also means higher import taxes for many car buyers and importers in Kenya.
This article explains the new KRA law, its impact on car import taxes, and what you should do to prepare.
🔑 Key Takeaways
- New CRSP schedule takes effect July 1, 2025
- Import taxes will increase for many vehicle models, especially hybrids
- Maximum depreciation capped at 65% for vehicles up to 8 years old
- Some popular models may see tax increases up to 145%
- Importers must consult updated CRSP list before purchasing vehicles
- Proper car insurance becomes even more critical for protecting your investment
📋 Table of Contents
- What Is the New KRA Law About?
- How Does the New CRSP Affect Import Taxes?
- Why Did KRA Update the CRSP?
- Implications for Importers and Buyers
- How to Access and Use the New CRSP List
- Frequently Asked Questions
- Case Studies and Examples
- Tips for Importers
- Protect Your Investment with Insurance
- Conclusion
🏛️ What Is the New KRA Law About?
The Current Retail Selling Price (CRSP) is a valuation list used by KRA to determine the taxable value of imported vehicles. It sets benchmark prices for different car models and years, which customs officials use to calculate import duty, excise duty, VAT, and other taxes.
Previously, the CRSP was based on fixed retail prices that often did not match actual market values, leading to disputes and legal challenges. The new law introduces an updated CRSP schedule effective from July 1, 2025, replacing the old fixed prices with a more accurate list that reflects real market prices and exchange rates.
This change aims to:
- Align vehicle valuations with current market realities
- Address legal concerns over the previous valuation method
- Ensure consistent and fair taxation across all imported vehicles
💰 How Does the New CRSP Affect Import Taxes on Used Cars?
Import taxes in Kenya are calculated cumulatively based on the vehicle’s declared value or the CRSP, whichever is higher. The main tax components include:
| Tax Component | Rate | Description |
|---|---|---|
| Import Duty | 25-35% | Based on vehicle’s value |
| Excise Duty | 25-35% | Depends on engine size and type |
| Value Added Tax (VAT) | 16% | Fixed rate on cumulative value |
| Import Declaration Fee (IDF) | 3.5% | Typically 3.5% of vehicle value |
| Other Levies | Variable | Including Railway Development Levy |
With the new CRSP, the taxable value of many vehicles will increase, leading to higher import taxes. Some popular models like the Toyota Vitz Hybrid and Mazda CX-5 could see tax increases of up to 145%.
Additionally, the law enforces a maximum depreciation of 65% for vehicles up to 8 years old. This means that when calculating taxable value, the vehicle’s price cannot be depreciated beyond 35% of its original price, limiting how much importers can reduce their tax liability based on vehicle age.
🔍 Why Did KRA Update the CRSP?
Several reasons prompted the update:
Market Alignment
The previous CRSP list was outdated and did not reflect actual international prices, causing undervaluation or overvaluation.
Legal Compliance
Court rulings challenged the constitutionality of the old fixed prices, requiring revision.
Revenue Protection
The update helps close tax revenue gaps by ensuring vehicles are valued fairly.
Transparency
The new CRSP is based on thorough market research and stakeholder consultations, making it more transparent and defensible.
🔗 Related Insurance Resources
| Resource | Description | Link |
|---|---|---|
| Cheapest Car Insurance | Get third-party insurance from KSH 4,999/year | Learn More |
| CIC Easy Bima | Flexible monthly motor insurance options | Discover Options |
| Top Motor Insurance Companies | Best motor insurance providers in Kenya 2025 | View Rankings |
📊 What Does This Mean for Car Importers and Buyers in Kenya?
The new law brings several implications:
Higher Import Costs
Increased taxable values mean importers will pay more in duties and taxes, raising the overall cost of imported vehicles.
Model-Specific Impact
Some car models, especially hybrids and newer vehicles, will face steeper tax hikes.
Budget Adjustments
Buyers and importers need to factor in these higher taxes when planning purchases.
Market Changes
Increased costs may shift demand toward older or alternative vehicle models.
Compliance Importance
Accurate customs declarations aligned with the new CRSP are essential to avoid penalties or delays.
📋 How to Access and Use the New CRSP List
KRA has published the updated CRSP list on its official website. Importers and clearing agents should:
- Consult the CRSP list before purchasing vehicles abroad to estimate likely taxes
- Use the list to declare vehicle values accurately during customs clearance
- Verify exact model, variant, and year to find the correct CRSP value
- Utilize online calculators and tools offered by KRA or third parties to estimate import duties
Being proactive and informed will help avoid surprises and ensure smooth importation.
❓ Frequently Asked Questions (FAQs)
📈 Case Studies and Examples
🚗 Toyota Vitz Hybrid F
Previously taxed at a lower value, the new CRSP increases its taxable value significantly, resulting in an estimated tax increase of up to 145%. Importers will pay substantially more in duties and VAT.
🚙 Mazda CX-5 20S
The updated valuation reflects current market prices, increasing import taxes and potentially affecting resale prices.
These examples illustrate how the new CRSP impacts import costs and pricing strategies.
| Vehicle Model | Previous Tax Estimate | New Tax Estimate | Percentage Increase | Impact Level |
|---|---|---|---|---|
| Toyota Vitz Hybrid F | KSH 200,000 | KSH 490,000 | 145% | High |
| Mazda CX-5 20S | KSH 350,000 | KSH 525,000 | 50% | Medium |
| Toyota Fielder | KSH 180,000 | KSH 234,000 | 30% | Low |
| Nissan Note | KSH 160,000 | KSH 224,000 | 40% | Medium |
💡 Tips for Importers to Prepare for the New Tax Regime
- 📋Review the updated CRSP list carefully before purchasing vehicles
- 💰Adjust budgets and pricing strategies to accommodate higher taxes
- 🤝Work with experienced clearing agents knowledgeable about the new rules
- 🔄Consider alternative models or vehicle ages to optimize costs
- 📢Stay updated on KRA notices and regulatory changes
🛡️Protect Your Investment with Reliable Car Insurance
Importing a vehicle under the new KRA tax regime is just the first step. To safeguard your investment and comply with Kenyan law, securing comprehensive car insurance is essential. Whether you need cover for personal use, commercial purposes, or fleet management, we offer tailored insurance solutions designed to meet your unique needs.
Get peace of mind knowing you’re protected against accidents, theft, and unforeseen damages with competitive premiums and excellent customer support.
🎯 Conclusion
The new KRA law revising the Current Retail Selling Price for imported vehicles marks a major change in Kenya’s customs valuation and taxation system. While it promotes fairness and transparency, it also increases the cost of importing used cars, especially popular and hybrid models. Importers and buyers must
Schengen Visa Travel Insurance Guide for Kenyans 2025
Traveling to Europe’s Schengen Area is an exciting prospect for many Kenyans, whether for tourism, business, or study. However, before you pack your bags, one crucial requirement stands between you and your visa approval: Schengen visa travel insurance. This insurance is mandatory, and understanding its coverage, compliance, and cost is essential to a smooth visa application.
In this comprehensive guide, we’ll break down everything you need to know about travel insurance for Schengen visa Kenya in 2025, helping you choose the right policy that meets EU requirements without breaking your budget.
Key Takeaways
- Schengen visa travel insurance is mandatory for all visa applicants from Kenya
- Minimum coverage required is €30,000 (approximately KShs 4 million)
- Insurance must be valid across all 27 Schengen Area countries
- Daily premiums start from as low as KShs 200 per day
- Policy must cover your entire stay duration (up to 90 days for short-term visas)
- Failure to provide valid insurance will result in visa denial
Table of Contents
- What is Travel Insurance for Schengen Visa?
- Why Do Kenyans Need Schengen Visa Travel Insurance?
- What Does Schengen Visa Travel Insurance Cover?
- How Much Does Schengen Visa Travel Insurance Cost?
- Where and How to Buy Insurance in Kenya
- Tips for Choosing the Best Insurance
- Common Questions About Schengen Insurance
- How Step By Step Insurance Can Help
- Insurance Provider Comparison
What is Travel Insurance for Schengen Visa?
Schengen visa travel insurance is a specialized health insurance policy designed to cover medical emergencies for travelers visiting any of the 27 Schengen countries. It is a mandatory document you must present when applying for a Schengen visa.
Why is it Mandatory?
The European Union requires this insurance to ensure travelers can cover emergency medical expenses without becoming a burden on local healthcare systems. Without valid insurance, your visa application will be denied outright.
Minimum Coverage Requirements
To be compliant, your travel insurance must:
- Cover at least €30,000 (approximately KShs 4 million) in medical expenses
- Include emergency medical treatment, hospitalization, and medical repatriation
- Be valid in all Schengen Area countries
- Cover the entire duration of your stay, up to 90 days for short-term visas
Why Do Kenyans Need Schengen Visa Travel Insurance?
If you are applying for a Schengen visa from Kenya, you must present proof of compliant travel insurance at your visa appointment. This insurance protects you from unexpected medical costs such as accidents, illnesses, or emergencies during your trip.
Failure to provide valid insurance can lead to:
- Visa application denial
- Delays in visa processing
- Potential financial risk if medical emergencies arise abroad without coverage
Certain exceptions exist, such as holders of diplomatic passports or long-stay visa applicants who are enrolled in local healthcare systems, but these are rare.
What Does Schengen Visa Travel Insurance Cover?
The insurance typically covers:
| Coverage Type | Description | Mandatory |
|---|---|---|
| Emergency Medical Treatment | Covers doctor visits, surgeries, and hospital stays | ✅ Yes |
| Hospitalization | Coverage for inpatient medical care and treatment | ✅ Yes |
| Medical Repatriation | Transport back to Kenya if medically necessary | ✅ Yes |
| Death & Funeral Expenses | Coverage for repatriation of mortal remains | ✅ Yes |
| Trip Cancellation | Optional coverage for cancelled trips | ❌ Optional |
| Lost Baggage | Compensation for lost or stolen luggage | ❌ Optional |
| Personal Liability | Coverage for damages caused to third parties | ❌ Optional |
How Much Does Schengen Visa Travel Insurance Cost for Kenyans?
Factors Influencing Price
- Age of the traveler: Older travelers generally pay higher premiums
- Duration of coverage: Insurance for longer stays costs more
- Coverage level and add-ons: Basic plans meet minimum requirements; comprehensive plans cost more
- Insurance provider: Prices vary between insurers and underwriters
Typical Price Range
- Daily premiums can start as low as $1.50 (approx. KShs 200) per day for basic coverage
- For a 7-day trip, expect to pay between KShs 1,400 and KShs 2,000 depending on provider and age
- Longer trips (up to 90 days) will cost proportionally more, with some annual multi-trip plans available for frequent travelers
Examples of Providers and Pricing
- Patriot International Lite: Popular for Schengen visa applicants, affordable with basic coverage
- AXA Schengen: Offers comprehensive plans with strong global support
- Europ Assistance: Known for reliable coverage and quick policy issuance
Refund Policies
Some insurers offer a refund if your visa is denied, but always check the terms before purchase.
Related Insurance Guides
Where and How to Buy Schengen Visa Travel Insurance in Kenya?
Recommended Purchase Channels
- Online platforms: Many providers offer instant online purchase and policy issuance
- Insurance brokers: Trusted intermediaries like Step By Step Insurance can guide you through the process
- Direct from insurers: Companies like AAR, AIG, and Jubilee offer Schengen-compliant plans
Buying Process
- Select coverage duration and traveler details
- Choose a plan that meets EU minimum requirements
- Complete the online application and pay via credit card or mobile money
- Download your insurance certificate immediately
- Print the certificate and bring it to your visa appointment
Important: Make sure to purchase your insurance before your visa appointment as proof of insurance is required during application.
Tips for Choosing the Best Schengen Visa Travel Insurance
- Verify EU compliance: Ensure the policy covers at least €30,000 and is valid throughout the Schengen Area
- Check for 24/7 emergency assistance: This is crucial for support during medical emergencies
- Compare prices and benefits: Don’t just pick the cheapest; check coverage details
- Look for visa refusal refund guarantees: Adds peace of mind
- Read customer reviews: Learn from other travelers’ experiences
- Confirm policy validity for your entire stay: Some policies may have gaps or exclusions
Insurance Provider Comparison
| Provider | Price Range (7 Days) | Key Features | 24/7 Support |
|---|---|---|---|
| Patriot International Lite | KShs 1,400 – 1,800 | Basic coverage, Visa-compliant, Quick issuance | ✅ Yes |
| AXA Schengen | KShs 1,600 – 2,200 | Comprehensive coverage, Global network, Visa refund | ✅ Yes |
| Europ Assistance | KShs 1,500 – 2,000 | Reliable coverage, Quick claims, Multi-language support | ✅ Yes |
| AAR Insurance | KShs 1,800 – 2,400 | Local support, Comprehensive benefits, Easy claims | ✅ Yes |
Common Questions About Schengen Visa Travel Insurance for Kenyans
Is travel insurance required for all Schengen visa types?
Yes, for short-stay visas up to 90 days, travel insurance is mandatory.
Can I use my existing health insurance for the Schengen visa?
No, your existing Kenyan health insurance is usually not valid abroad and does not meet Schengen requirements.
What if my trip is longer than 90 days?
You may need different insurance or proof of local health coverage depending on your visa type.
Are children and elderly covered?
Yes, children and elderly travelers must have compliant insurance, often arranged by parents or guardians.
Can I extend my insurance while in Europe?
Extensions depend on your insurer; check terms before travel.
What documents do I need for the embassy?
A valid insurance certificate with your name, passport number, coverage details, and insurer contact information.
How Step By Step Insurance Can Help You Get Affordable Schengen Visa Travel Insurance
Step By Step Insurance offers:
- Expert advice on compliant and affordable Schengen travel insurance plans
- Assistance with online purchase and instant policy issuance
- Guidance through visa application requirements
- Support with claims and emergency assistance abroad
Get Your Schengen Visa Travel Insurance Today!
Don’t let insurance requirements delay your European adventure. Get expert guidance and competitive quotes now.
Conclusion
Travel insurance for Schengen visa applicants from Kenya is not just a formality—it’s a vital safeguard ensuring your health and finances are protected during your European trip. With minimum coverage of €30,000 required, valid across all Schengen countries, and prices starting from as low as KShs 200 per day, securing compliant insurance is affordable and straightforward.
Buy your Schengen visa travel insurance early, verify its compliance, and keep your certificate handy for your visa appointment. For trusted guidance and competitive prices, rely on Step By Step Insurance to help you travel smart and safe in 2025.
External Links & Additional Resources
Top 5 Motor Insurance Companies in Kenya 2025
Motor insurance is not just a legal requirement in Kenya — it’s a financial safety net for drivers, car owners, and businesses. Whether you’re safeguarding your daily commute or protecting a commercial fleet, having a reliable insurer can make all the difference when the unexpected happens.
With dozens of providers offering motor insurance in Kenya, how do you know which one to trust? This guide reviews the top 5 motor insurance companies in Kenya in 2025, based on customer feedback, claims performance, financial strength, and value-added services — helping you choose with confidence.
🔑 Key Takeaways
• CIC Insurance leads with exceptional claims handling and comprehensive coverage options
• Claims processing typically takes 3-7 days across top insurers
• Digital services and 24/7 support are becoming standard features
• Consider not just premiums, but claims experience and customer service quality
📋 Table of Contents
🚗 Understanding Motor Insurance in Kenya
Kenyan motor insurance policies generally fall into three main categories:
| Type | What It Covers |
|---|---|
| Comprehensive | Damage to your car, theft, fire, and third-party liability |
| Third Party, Fire & Theft | Theft, fire, and third-party damage – excludes your own vehicle’s accidental damage |
| Third Party Only (TPO) | Legally required; covers only injury or damage you cause to others |
When choosing a provider, you should consider not just the premium, but also claims handling, customer experience, and policy flexibility. For detailed guidance on the claims process for motor insurance in Kenya, ensure you understand the step-by-step requirements.
✅ How We Ranked the Top Motor Insurance Companies
Our list is based on the following criteria:
⚡Claims Turnaround Time: How fast and easy it is to file and receive payouts.
🎯Customer Service: Responsiveness, professionalism, and post-sale support.
📋Coverage Options: Variety and customization of insurance packages.
💪Financial Strength: Ability to settle large claims reliably.
📱Digital Access & Innovation: Online quotes, policy management, and mobile support.
⭐Reputation: Public and broker feedback, online reviews, and regulator ratings.
🏆 Top 5 Motor Insurance Companies in Kenya (2025)
1. CIC Insurance Group
Why it stands out: Known for reliable claims handling and a strong network of agents.
📊Coverage: Comprehensive, third-party, commercial, and fleet insurance
➕Extras:
- Emergency medical cover
- Towing services
- Political violence and terrorism protection
💬Customer Feedback:
⏱️Average Claims Time: 3–5 days
📞Contact: 0703 099 120 | 📍 Nairobi
Website: www.cic.co.ke
For flexible monthly options, check out CIC Easy Bima and what this flexible motor insurance offers.
2. APA Insurance
Why it stands out: Exceptional financial backing and a wide range of motor products.
📊Coverage: Comprehensive, motor trade, and commercial fleet insurance
➕Extras:
- Custom plans for small businesses
- 24/7 accident reporting hotline
💬Customer Feedback:
⏱️Average Claims Time: 4–6 days
📞Contact: 0722 276 556 | 📍 Parklands
Website: www.apainsurance.org
3. Jubilee Insurance
Why it stands out: Longstanding trust, with strong coverage and roadside support.
📊Coverage: Comprehensive, third party, and theft insurance
➕Extras:
- Free car valuation
- 24/7 roadside assistance
- Riot and strike protection
💬Customer Feedback:
⏱️Average Claims Time: 3–5 days
📞Contact: 020 284 0000 | 📍 Nairobi
Website: www.jubileeinsurance.com
4. Monarch Insurance
Why it stands out: Tailored insurance packages and solid local relationships.
📊Coverage: Private, commercial, and fleet insurance
➕Extras:
- Dedicated claims managers
- On-ground support during incidents
💬Customer Feedback:
⏱️Average Claims Time: 4–7 days
📞Contact: 020 429 2000 | 📍 Nairobi
Website: www.monarchinsurance.co.ke
5. Britam Insurance
Why it stands out: Strong digital tools and flexible payment options.
📊Coverage: Comprehensive, commercial, and personal use
➕Extras:
- Self-service app for policyholders
- Instalment payment plans
💬Customer Feedback:
⏱️Average Claims Time: 4–6 days
📞Contact: 0703 094 000 | 📍 Nairobi
Website: www.britam.com
📊 Comparison Table: Top 5 Motor Insurers in Kenya
| Company | Coverage Options | Claims Speed | Rating | Unique Features |
|---|---|---|---|---|
| CIC | Comprehensive, TPO, Fleet | 3–5 days | ⭐ 4.5/5 | Emergency medical, towing, political violence |
| APA | Comprehensive, Fleet | 4–6 days | ⭐ 4.4/5 | Strong financials, hotline support |
| Jubilee | Comprehensive, Third Party | 3–5 days | ⭐ 4.3/5 | Roadside assistance, free valuation |
| Monarch | Private, Commercial, Fleet | 4–7 days | ⭐ 4.2/5 | Local service, custom solutions |
| Britam | Comprehensive, Add-ons | 4–6 days | ⭐ 4.1/5 | App-based support, flexible payments |
📍 Internal Links & Resources
| Resource | Description | Link |
|---|---|---|
| CIC Easy Bima | Flexible monthly motor insurance options | Learn More |
| Claims Process Guide | Step-by-step guide on reporting accidents | View Guide |
| Get a Quote | Compare quotes from multiple insurers | Get Quote |
| Contact Us | Request consultation and expert advice | Contact |
💬 Real Customer Experiences
👍What users consistently love:
- Speedy claims settlement: Most top companies resolve claims in under a week.
- Responsive support: Many have dedicated claims teams or 24/7 hotlines.
- Digital convenience: Especially useful for younger or tech-savvy drivers.
👎What some customers dislike:
- Occasional delays during peak periods
- Annual premium increases (especially after claims)
- Some insurers may have strict policy exclusions — always read the fine print.
📝 What to Expect During a Motor Insurance Claim
The standard claims process in Kenya involves:
- Immediate reporting of the incident (within 24 hours).
- Submission of required documents (police abstract, ID, logbook, etc.).
- Vehicle inspection and assessment.
- Approval & payout or authorization for repairs.
Top insurers like CIC and Jubilee offer fast-track services and mobile reporting options to ease the process. For a comprehensive understanding, refer to our detailed claims process guide.
🤝 How Step By Step Insurance Simplifies Your Motor Insurance Search
Step By Step Insurance is an independent broker that helps you:
- 🔍Compare quotes from multiple top insurers.
- 🎯Get personalized recommendations based on your vehicle, usage, and budget.
- 📞Access claims assistance and ongoing policy support.
- 🛡️Avoid bad policies with expert screening and guidance.
🧭 Explore Step By Step Insurance for quick quotes, claims help, and guidance on choosing the best provider for your needs.
✅ Final Thoughts: Drive Confidently in 2025
The best motor insurance in Kenya gives you more than just paperwork — it gives you peace of mind. Whether you want responsive support, reliable payouts, or great digital tools, CIC, APA, Jubilee, Monarch, and Britam are among the top insurers to trust in 2025.
Before choosing, assess your needs, compare plans, and don’t hesitate to get help from insurance experts.
Ready to find the right cover?
👉 Get started today with Step By Step Insurance
Get a Quote Request Consultation🔗 External Links & Resources
🚗CIC Easy Bima – Direct Online Application
APA WIBA Insurance: Protecting Your Employees and Business with Workman’s Compensation
Every employer’s top priority should be the safety and well-being of their employees. Workplace accidents and injuries can happen unexpectedly, and when they do, both the employee and the employer need reliable protection. APA WIBA Insurance (Work Injury Benefits Act Insurance) is designed to provide just that—comprehensive coverage for employees in the event of accidental injury, disability, or death while on duty. As a trusted insurance intermediary, Step By Step Insurance partners with APA Insurance to bring you comprehensive WIBA solutions tailored to your business needs. This article will explain what APA WIBA Insurance is, what it covers, and why it’s essential for every business in Kenya.
🔑Key Takeaways
- Legal Requirement: WIBA insurance is mandatory for all employers in Kenya under the WIBA Act 2007
- Comprehensive Coverage: APA Insurance protects against accidental injury, disability, and death while on duty
- Trusted Partnership: Step By Step Insurance serves as your dedicated intermediary for APA WIBA products
- Generous Compensation: Up to 8 years of earnings for death and permanent disability
- 24-Hour Options: WIBA Plus extends coverage beyond working hours
- Expert Support: Professional guidance through our intermediary services for policy selection and claims
- Financial Protection: Shields businesses from unexpected compensation claims
📋Table of Contents
🛡️What is APA WIBA Insurance?
APA WIBA Insurance is a workman’s compensation policy that protects employees against accidental bodily injury, disablement, or death that occurs while they are engaged in the employer’s business or any project undertaken by the employer. The policy is structured in accordance with the WIBA Act 2007, ensuring that compensation is fair, transparent, and legally compliant.
This policy is not just a legal requirement for employers in Kenya—it’s also a smart way to demonstrate care for your workforce and shield your business from unexpected financial burdens. Understanding the real cost of ignoring WIBA insurance is crucial for every employer.
👥Who Needs APA WIBA Insurance?
🏢Employers in all sectors
Whether you run a factory, office, construction site, or retail business, if you have employees, you need WIBA insurance.
🔨Project-based businesses
Companies that undertake projects with varying teams or contract workers.
🎓Schools and organized groups
For group personal accident cover, including students and staff.
🔗Related WIBA Insurance Resources
| Resource Type | Title | Description |
|---|---|---|
| Cost Analysis | The Real Cost of Ignoring WIBA Insurance | What Kenyan employers need to know about the financial implications |
| Legal Compliance | WIBA Legal Compliance in Kenya | Work employees and their protection under Kenyan law |
⭐Key Features and Benefits of APA WIBA Insurance
🛡️1. Comprehensive Employee Protection
APA WIBA Insurance covers employees while on duty and engaged in any business activity or project for the employer. The policy provides compensation for:
- Accidental bodily injury
- Disablement (temporary or permanent)
- Death
⚖️2. Legal Compliance
Compensation is paid according to the provisions of the WIBA Act 2007, ensuring your business meets all statutory requirements.
💰3. Generous Compensation Limits
- Death: Up to 8 years (96 months) of the employee’s earnings
- Permanent Total Disability: Up to 8 years (96 months) of earnings
- Temporary Total Disability: Weekly earnings paid for up to 52 weeks
🏥4. Medical and Funeral Expenses
- Medical expenses: Free cover up to Kshs. 100,000 per employee (higher limits available at extra premium)
- Funeral/Last expense: Free cover up to Kshs. 30,000 per employee (higher limits available at extra premium)
🕐5. WIBA Plus – 24-Hour Coverage
For businesses seeking even broader protection, the WIBA Plus policy extends coverage to 24 hours, protecting employees even outside their official working hours.
📊What Does APA WIBA Insurance Cover?
Here’s a comprehensive reference table summarizing the core coverage under APA WIBA Insurance:
| Benefit Type | Coverage Details | Maximum Duration |
|---|---|---|
| Death | Up to 8 years (96 months) of earnings | Lump sum payment |
| Permanent Total Disability | Up to 8 years (96 months) of earnings | Lump sum payment |
| Temporary Total Disability | Weekly earnings | Up to 52 weeks |
| Medical Expenses | Up to Kshs. 100,000 per employee | Per incident |
| Funeral/Last Expense Cover | Up to Kshs. 30,000 per employee | Per incident |
👨👩👧👦Group Personal Accident Cover: Flexible Protection for Modern Lifestyles
Today, people often work, travel, and socialize in groups. APA Group Personal Accident Insurance is designed for such scenarios, providing cover for accidental death or incapacitation for groups or individuals.
🎯Who can benefit?
- Individuals and groups under 65 years
- Schools and student groups
- Clubs, societies, and organized teams
💼Key Benefits
- Death: Compensation up to 8 years of earnings
- Permanent Total Disability: Up to 8 years of earnings
- Temporary Total Disability: Weekly earnings up to 52 weeks
- Medical Expenses: Up to Kshs. 100,000 per person (higher limits optional)
- Funeral/Last Expense: Up to Kshs. 30,000 per person (higher limits optional)
Special Group Personal Insurance covers both work and non-work accidents, making it ideal for organizations that want round-the-clock protection for their members.
❗Why Is APA WIBA Insurance Important for Your Business?
⚖️1. Legal Requirement
The WIBA Act 2007 makes it mandatory for employers in Kenya to provide work injury benefits. Failure to comply can result in legal penalties and business disruptions. Learn more about WIBA legal compliance requirements.
❤️2. Employee Welfare
A robust WIBA policy shows your employees that you value their safety and well-being, boosting morale and loyalty.
💸3. Financial Protection
Workplace accidents can lead to significant financial liabilities. APA WIBA Insurance ensures your business is protected from large, unexpected compensation claims. Understanding the cost of ignoring WIBA insurance highlights this importance.
😌4. Peace of Mind
With APA’s trusted claims service and comprehensive coverage, both employers and employees can focus on their work, knowing they’re protected.
❓Frequently Asked Questions about APA WIBA Insurance
Yes, it is a legal requirement for all employers under the WIBA Act 2007.
Yes, higher limits are available at an additional premium.
Yes, WIBA Plus offers 24-hour worldwide coverage.
Compensation is paid to the employee’s legal representatives or nominated beneficiaries.
Yes, through the Group Personal Accident policy, students and organized groups can be covered.
📝How to Get APA WIBA Insurance
Getting covered is easy with Step By Step Insurance as your trusted intermediary for APA Insurance products:
- Request a Quote: Visit our quote page or contact us directly for personalized APA WIBA solutions
- Expert Consultation: Our insurance specialists help you determine the right APA WIBA coverage level for your business or group
- Customise Your APA Policy: Choose standard WIBA, WIBA Plus, or add Group Personal Accident as needed
- Seamless Processing: We handle all the paperwork and liaison with APA Insurance on your behalf
- Get Covered: Enjoy peace of mind knowing your employees or group members are protected under APA’s comprehensive coverage
📞Ready to Get Protected?
Take action today to protect your employees and business
Get a Quote Request Consultation🌟Why Choose APA WIBA Insurance Through Step By Step Insurance?
As your dedicated insurance intermediary, Step By Step Insurance bridges the gap between you and APA Insurance, providing:
- 👨💼Expert intermediary guidance on APA WIBA compliance and policy selection
- 🤝Personalised intermediary service for businesses of all sizes
- ⚡Streamlined claims support – we liaise with APA Insurance for fast turnaround
- 📋Access to full APA product range including Group Personal Accident and WIBA Plus
- 🎯Dedicated account management throughout your policy lifecycle
- 💡Professional advice on optimizing your APA WIBA coverage
🎯Conclusion
APA WIBA Insurance is the smart, responsible choice for every employer in Kenya. It not only fulfills your legal obligations under the WIBA Act 2007 but also demonstrates your commitment to employee welfare and business sustainability. With options for 24-hour cover and group accident protection, APA ensures you’re prepared for whatever the future holds.
Through our partnership as a trusted insurance intermediary, Step By Step Insurance makes accessing APA’s comprehensive WIBA solutions simple and straightforward. Our expert team handles all the complexities, from policy selection to claims processing, ensuring you get the best possible coverage and service.
Ready to protect your team with APA WIBA Insurance? Get a quote or learn more from Step By Step Insurance today.
🔗External Resources
For additional information about APA WIBA Insurance products and services:
Kenya Money Market Funds 2025: Yields Decline but MMFs Remain Attractive
Money market funds (MMFs) in Kenya continue to attract investors despite a slight decline in yields observed since March 2025. This drop is primarily due to the Central Bank of Kenya (CBK) lowering the Central Bank Rate (CBR) to 10.00% on April 8, 2025, which led to reduced returns on government securities—key components of MMF portfolios. As a result, the highest-yielding MMFs, such as GulfCap Money Market Fund, now offer annualized rates of 13.87% before tax, down from highs of over 18% in 2024.
Key Takeaways
- MMF yields have declined since March 2025 due to CBK rate cuts
- Top performing funds still offer returns above 13% before tax
- Net returns average 9.37% after tax, well above inflation rate of 4.1%
- MMFs remain attractive for liquidity, low risk, and competitive returns
- The sector is well-regulated ensuring investor protection
Table of Contents
Top Performing Money Market Funds (May 2025)
| Fund Name | Yield (Before Tax) | Net Yield (After 15% Tax) |
|---|---|---|
| GulfCap Money Market Fund | 13.87% | 11.79% |
| Cytonn Money Market Fund | 13.74% | 11.68% |
| Kuza Money Market Fund | 13.50% | 11.48% |
| Orient Money Market Fund | 13.06% | 11.10% |
| Etica Money Market Fund | 13.01% | 11.06% |
After accounting for the 15% withholding tax, average net returns across the market stand at about 9.37%, which remains well above Kenya’s inflation rate of 4.1% as of March 2025.
Why MMFs Remain Popular
Liquidity
Investors can access their money easily, making MMFs ideal for short-term needs. Most funds allow same-day or next-day withdrawals, providing flexibility that traditional fixed deposits cannot match.
Low Risk
MMFs invest in short-term, high-quality securities like Treasury bills, fixed deposits, and commercial paper, ensuring capital preservation. The diversified portfolio approach minimizes risk while maintaining steady returns.
Competitive Returns
Despite the recent drop, MMFs still outperform traditional savings accounts and even government Treasury bills, which currently yield between 7.1% and 10.0%.
Accessibility
Many funds offer low minimum investment requirements and user-friendly digital platforms, making it easy for both new and experienced investors to participate in the market.
Key Market Insights
- The range of yields for Kenyan MMFs is currently 5.47% to 13.87% (before tax), with most top funds clustered above 11%
- MMFs continue to be a preferred investment for both new and experienced investors seeking stability, regular income, and returns above inflation
- The sector is well-regulated by the Capital Markets Authority, ensuring investor protection and market stability
Related Resources
| Resource | Link |
|---|---|
| Ziidi Money Market Fund Analysis | Read More |
| Top Money Market Funds Guide | View Guide |
| How to Register for Ziidi | Registration Guide |
| Contact/Consultation | Contact Us |
| Get Quote | Get Quote |
Conclusion
While yields have softened in 2025, Kenyan money market funds remain a strong choice for investors prioritizing safety, liquidity, and returns that beat inflation. The top funds—GulfCap, Cytonn, and Kuza—continue to lead the market, and MMFs overall offer a compelling alternative to both savings accounts and Treasury bills. With the regulatory framework provided by the Capital Markets Authority and the continued demand for stable, accessible investment options, money market funds are likely to maintain their position as a cornerstone of Kenya’s investment landscape.
External Links & Resources
For additional information and services, please visit:
Latest News on Insurance in Kenya (from May 22, 2025)
The Kenyan insurance sector is experiencing significant developments in May 2025, marked by high-profile fraud cases, strategic mergers, and innovative insurance products. From the Ksh309 million Invesco Assurance fraud scheme to NCBA Group’s expansion into insurance through the acquisition of AIG Kenya, the industry is witnessing both challenges and growth opportunities. Additionally, climate risk insurance initiatives and healthcare financing partnerships are reshaping the landscape, while digital transformation continues to drive accessibility and innovation across the sector.
🔑Key Takeaways
- Seven executives charged in Ksh309 million Invesco Assurance fraud case involving client premium diversion
- NCBA Group completes AIG Kenya integration, launching NCBA Insurance to capture larger market share
- Ministry of Health promotes public-private healthcare insurance partnerships and Linda Mama program expansion
- Allianz expands climate risk insurance programs for Kenyan farmers and vulnerable communities
- Industry trends focus on digitalization, micro-insurance, and green insurance products
📋Table of Contents
| 🔗Internal Resources | Description |
|---|---|
| Travel Health Insurance Guide | Mandatory travel health insurance requirements for foreigners in Kenya 2025 |
| Tech in Transit Insurance | How technology is transforming goods in transit risk management in Kenya |
| Top Money Market Funds | Updated guide to top money market funds in Kenya for May 2025 |
| Contact Us | Request a consultation or get in touch with our experts |
| Get Quote | Get a personalized insurance quote for your needs |
⚖️Major Fraud Case Rocks Insurance Sector
Seven senior officials and former executives from Invesco Assurance Company Limited and Compliant Insurance Agency have been charged with orchestrating a Ksh309 million fraud scheme involving client premiums. The Directorate of Criminal Investigations (DCI) revealed that, between May and August 2024, insurance premiums collected from 27 Invesco branches were funneled into a secret bank account registered to Compliant Insurance Agency. The funds were then siphoned off through personal Mpesa accounts of the accused.
The Policyholders Compensation Fund (PCF) discovered the fraudulent scheme during statutory management of Invesco Assurance, leading to the arrests and arraignment of the implicated executives on charges including insurance fraud and stealing by directors. This case highlights the importance of regulatory oversight and the need for robust internal controls within insurance companies.
🏢NCBA Group Expands Insurance Operations
NCBA Group PLC reported a net profit of Ksh5.5 billion for Q1 2025, driven by digital lending and strategic expansion. Notably, NCBA completed the integration of AIG Kenya Insurance, rebranding it to NCBA Insurance. This move aligns with NCBA’s ambition to capture a larger share of Kenya’s Ksh309 billion insurance market.
The group is enhancing digital insurance services, including AI-powered features on its CarDuka vehicle marketplace and expanded online platforms for SMEs and corporates. This strategic expansion represents a significant shift in the banking sector’s approach to insurance, leveraging existing customer relationships to cross-sell insurance products.
🏥Healthcare Insurance and Public-Private Partnerships
The Ministry of Health (MoH) has outlined progressive approaches to healthcare financing, emphasizing strategic public-private partnerships and scaling up programs like Linda Mama. These initiatives aim to improve access to health insurance and financial protection for vulnerable populations, signaling a shift towards more inclusive healthcare coverage in Kenya.
The focus on public-private partnerships represents a recognition that sustainable healthcare financing requires collaboration between government agencies and private sector players, including insurance companies. This approach is expected to enhance healthcare accessibility while reducing the financial burden on the government.
🌍Climate and Humanitarian Insurance Initiatives
Allianz, in collaboration with the UNHCR, is expanding climate risk insurance programs in Kenya and other regions. These initiatives are designed to provide timely payouts to vulnerable communities, such as smallholder farmers, when climate shocks like droughts occur.
The programs are being adjusted based on feedback from Kenyan farmers to ensure insurance payouts cover both loan repayments and the purchase of seeds for the next planting season, enhancing resilience and recovery. This represents a growing trend towards parametric insurance products that can provide rapid payouts based on predetermined triggers rather than traditional claim assessment processes.
📈Industry Trends and Top Insurers
Key Trends Shaping the Kenyan Insurance Sector in 2025
The insurance landscape in Kenya is being transformed by several key trends that are reshaping how insurers operate and serve their customers. Increased adoption of digital and mobile platforms for policy management is making insurance more accessible to tech-savvy consumers, while the growth in embedded and micro-insurance products is expanding coverage to previously underserved populations.
The introduction of green and climate risk insurance products, such as coverage for electric vehicles and climate-related crop risks, reflects the industry’s response to environmental challenges. There’s also an increased emphasis on trust, transparency, and personalized insurance offerings as companies compete for customer loyalty in an increasingly crowded market.
Leading Market Players
Leading insurers in the market include APA, Old Mutual, CIC, GA Insurance, Britam, and Jubilee Health, with strong performances in claims responsiveness, digital innovation, and customer service. These companies are setting the standard for service delivery and technological advancement in the sector.
💰Dividend News
CIC Insurance Group declared a final dividend of Ksh0.13 per share, reflecting stable performance and continued returns to shareholders. This dividend declaration demonstrates the company’s commitment to delivering value to investors while maintaining adequate reserves for business operations and growth.
📊Summary Table: Key Developments
| Date | Headline/Development | Impact/Details |
|---|---|---|
| May 21-22 | Invesco Assurance fraud case | Ksh309M siphoned via secret account; top executives charged |
| Q1 2025 | NCBA Group expands insurance (AIG Kenya integration) | NCBA Insurance launched, targeting larger market share and digital innovation |
| May 22 | MoH promotes public-private healthcare insurance partnerships | Focus on scaling Linda Mama and inclusive health financing |
| May 22 | Allianz expands climate/humanitarian insurance in Kenya | Programs for farmers, displaced people; feedback-driven policy adjustments |
| May 2025 | CIC Insurance Group dividend | Final dividend of Ksh0.13 per share declared |
| May 2025 | Industry trends | Digitalization, micro-insurance, green products, personalized offerings |
These developments highlight a dynamic insurance sector in Kenya, marked by regulatory scrutiny, digital transformation, new product offerings, and a growing focus on climate resilience and inclusive coverage. The industry continues to evolve rapidly, driven by technological advancement, changing consumer needs, and regulatory requirements that prioritize consumer protection and market stability.
Madison Livestock Insurance – Protect Your Valuable Animals
Livestock farming plays a crucial role in Kenya’s agricultural economy, providing food, income, and employment. However, farmers face numerous risks such as disease outbreaks, theft, accidents, and natural disasters that can lead to significant financial losses. To mitigate these risks, Madison Livestock Insurance offers tailored coverage designed to protect your valuable animals and secure your investment. This insurance enables farmers to expand confidently, knowing their livestock is safeguarded against common perils.
Key Takeaways
- Madison Livestock Insurance covers dairy cattle, beef cattle, security dogs, sheep, and goats
- Protection against accidental death, terminal diseases, theft, and natural disasters
- Premiums start from KES 5,000 per animal
- Step by Step Insurance acts as your intermediary for personalized service
- Insurance improves access to credit as policies can serve as alternative security
Table of Contents
What Does Madison Livestock Insurance Cover?
Madison Livestock Insurance covers a variety of livestock types and a wide range of risks, ensuring comprehensive protection for your animals.
Livestock Covered
| Animal Type | Coverage Eligibility |
|---|---|
| Dairy cattle | Age 90 days to 8 years |
| Beef cattle | Age 90 days to 8 years |
| Security dogs | Age 90 days to 3 years |
| Sheep | Age 60 days to 5 years |
| Goats | Age 60 days to 5 years |
Covered Risks
| Risk Type | Description |
|---|---|
| Accidental Death | Including lightning strikes, internal and external injuries on the farm or during transit, fire, windstorms, snake bites, and flooding. |
| Diseases of Terminal Nature | Protection against incurable diseases that lead to death. |
| Emergency Slaughter | When advised by a registered veterinary surgeon to prevent undue suffering. |
| Calving Complications | Losses resulting from difficulties during birthing. |
| Theft of Livestock | Covers loss due to theft. |
| Epidemics | Protection during disease outbreaks affecting multiple animals. |
Policy Requirements
To apply for Madison Livestock Insurance, the following are required:
- A recent veterinary and valuation report from a registered veterinary surgeon.
- Identification of livestock through ear tags, tattoos, or bolus.
- A completed application form and payment of the premium.
- Age limits for insured animals:
- Cattle: 90 days to 8 years
- Goats & Sheep: 60 days to 5 years
- Security Dogs: 90 days to 3 years
Policy Benefits
Madison Livestock Insurance offers several key benefits to farmers:
- Investment Security: Farmers can invest more confidently in livestock production projects knowing their animals are protected.
- Access to Loans: The insurance policy document is accepted by financial institutions as alternative security, improving farmers’ access to credit.
- Risk Sharing: In the event of loss on financed livestock, both the farmer and the lending institution are protected financially, reducing potential losses.
What Is Not Covered?
Certain losses and conditions are excluded from coverage:
- The first 10% of loss for each and every claim under general losses.
- The first 20% of loss for theft claims.
- Losses due to famine, malnutrition, and feed poisoning.
- Losses from impotence and infertility.
- Pre-existing diseases and deformities prior to policy inception.
- Death caused by neglect or poor husbandry practices.
Policy Premiums
Premiums for Madison Livestock Insurance depend on:
- The type of livestock insured.
- The number of animals covered.
- A minimum premium of KES 5,000 per animal applies.
- The sum insured is determined based on the veterinary report provided.
Related Article
Learn about how the World Bank is supporting Kenyan livestock farmers with insurance payments.
Read More →How Step by Step Insurance Supports You as an Intermediary
Step by Step Insurance acts as your trusted intermediary, simplifying the process of securing Madison Livestock Insurance and ensuring you get the right coverage for your needs.
- Personalized Consultation: We assess your livestock portfolio and risk exposure to recommend the best insurance options.
- Application Assistance: Our experts help you prepare veterinary reports, complete application forms, and submit premiums.
- Policy Customization: We tailor your policy to fit your livestock type, numbers, and farm operations.
- Ongoing Support: From policy renewals to claims assistance, we provide continuous support.
- Claims Advocacy: We guide you through the claims process with APA to ensure timely and fair settlements.
Comparison with Other Insurance Providers
| Feature | Madison Livestock Insurance | Other Providers |
|---|---|---|
| Minimum Premium | KES 5,000 per animal | Often higher minimum premiums |
| Age Range | From 60-90 days up to 8 years (depending on animal) | Usually more restrictive age ranges |
| Theft Coverage | Included (20% excess) | Often excluded or higher excess |
| Epidemic Coverage | Included | Sometimes excluded |
| Support | Full support through Step by Step Insurance | Varies by provider |
Compare further with Madison’s official livestock insurance page for the most up-to-date information.
Frequently Asked Questions
Secure Your Livestock Investment Today
Protect your valuable animals with Madison Livestock Insurance and enjoy peace of mind knowing your investment is secure.
Conclusion
Madison Livestock Insurance is a vital tool for Kenyan farmers seeking to protect their livestock investments against a range of risks including accidental death, theft, disease, and natural disasters. With flexible coverage, clear policy requirements, and the support of Step by Step Insurance as your intermediary, you can confidently grow your livestock business while minimizing financial risks.
External Resources
Britam Fire and Burglary Insurance – Complete Protection for Your Home or Business
Unexpected disasters like fire or burglary can devastate your home or business, causing financial loss and emotional stress. In Kenya, where such risks are ever-present, having a reliable insurance cover is essential for peace of mind and financial security. Britam Fire and Burglary Insurance is designed to provide affordable, flexible, and robust protection against these perils, ensuring you can recover quickly and get back on your feet after a loss.
Key Takeaways
- 🔥 Britam Fire and Burglary Insurance offers comprehensive protection against fire, lightning, and theft for both residential and commercial properties
- 💰 Flexible benefit options with fixed, transparent premiums make budgeting easier
- 🏢 Available for homeowners, tenants, and businesses of all sizes (with some exceptions)
- ⚡ Additional coverage includes debris removal, fire brigade charges, and optional business interruption protection
- 🤝 Step by Step Insurance provides personalized support throughout the application and claims process
Table of Contents
- What Is Britam Fire and Burglary Insurance?
- Who Can Take This Cover?
- What Does Britam Fire and Burglary Insurance Cover?
- How Are Claims Paid Out?
- Exclusions – What Britam Fire and Burglary Insurance Does NOT Cover
- Key Benefits of Britam Fire and Burglary Insurance
- Who Should Consider Britam Fire and Burglary Insurance?
- How Step by Step Insurance Supports You
- Insurance Provider Comparison
- Frequently Asked Questions
- Conclusion
- External Resources
What Is Britam Fire and Burglary Insurance?
Britam Fire and Burglary Insurance is a simple, affordable policy that covers loss or damage to your property caused by fire, lightning, and burglary. This cover is available for both individuals (homeowners and tenants) and businesses, making it a versatile solution for anyone looking to protect their premises and contents.
Who Can Take This Cover?
- 🏠 Homeowners and tenants
- 🏪 Business owners (small, medium, or large enterprises)
- 🔒 Anyone seeking to protect their property and valuables from fire and theft
What Does Britam Fire and Burglary Insurance Cover?
Core Coverage
- 🔥 Fire and Lightning: Covers loss or damage to property caused by fire or lightning strikes.
- 🔓 Burglary: Covers loss or damage due to theft involving forcible or violent entry or exit from the premises.
- ⚕️ Personal Accident: Fixed payout in case of accidental death or permanent total disability, as per the cover option chosen.
Business Interruption (Optional)
- 🏢 Due to Fire & Other Perils: Lump sum payout as per the cover option chosen.
- 🏥 Due to Hospitalisation: If the insured is hospitalized for at least 5 consecutive nights, a lump sum payout is made as per the cover option.
Additional Features
- 📋 Flexible Benefit Options: Choose the sum insured and benefit options that suit your needs and budget.
- 💵 Upfront Premiums: Fixed premiums quoted upfront for transparency and easy budgeting.
- 🧹 Debris Removal: Covers costs for demolition and removal of debris after a covered loss.
- 🚒 Fire Brigade Charges: Covers municipal or local authority charges for extinguishing fires.
- 📝 All Other Contents: Includes coverage for documents, manuscripts, business books, employees’ personal effects, and more (within policy limits).
- 🔄 Reinstatement of Loss: Policy remains in force for the full sum insured after a loss, subject to payment of additional premium.
Protect Your Property Today!
Don’t leave your home or business vulnerable to unexpected disasters.
GET QUOTEHow Are Claims Paid Out?
Base Benefit Pay-out
| Claim Type | Pay-out Calculation | Excess Limit |
|---|---|---|
| Fire & Other Perils | Lower of actual damage or benefit limit | 10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5) |
| Burglary | Lower of actual damage or benefit limit | 10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5) |
| Personal Accident | Fixed amount as per cover option | Not Applicable |
Optional Benefit Pay-out
- 🏢 Business Interruption (Fire & Other Perils): Lump sum payout as per the cover option chosen.
- 🏥 Business Interruption (Hospitalisation): Lump sum payout if hospitalized for 5 consecutive nights or more, as per the cover option.
Exclusions – What Britam Fire and Burglary Insurance Does NOT Cover
- ❌ Excluded Businesses: Banks, forex bureaus, jewellery shops, manufacturing premises, beer/tobacco dealers and distributors, open air markets.
- ❌ Fraudulent Claims: Any fraudulent claim or use of fraudulent means/devices forfeits all benefits under the policy.
- ❌ Double Insurance: Loss or damage already covered by another policy.
- ❌ Confiscation: Loss following confiscation by local authorities or damage by order of legally constituted authority.
- ❌ Self-Inflicted Damage: Loss or damage to property due to its own fermentation, natural heating, spontaneous combustion, or undergoing any heating or drying process.
- ❌ Cash and Securities: Loss of cash, currency, bank notes, or securities of any kind.
- ❌ Rent Receivable/Payable: For the insured building.
- ❌ Goods Held in Trust or on Commission: Not covered.
- ❌ Illegal Trade: Any loss or damage arising from illegal activities.
Key Benefits of Britam Fire and Burglary Insurance
- 💰 Affordable and Flexible: Suitable for individuals and businesses, with benefit options tailored to your needs.
- 🛡️ Comprehensive Protection: Covers both fire and burglary, plus optional business interruption and personal accident cover.
- ⚡ Quick Recovery: Ensures you can repair, replace, or rebuild quickly after a loss.
- 😌 Peace of Mind: Know that your property and valuables are protected against two of the most common risks.
- 📝 Simple Application: Easy to apply, with fixed premiums and clear benefit options.
Understand the common home risks in Kenya and how insurance can protect you from fire and theft incidents.
Compare the best fire and burglary insurance providers in Kenya to make an informed decision.
View Top Providers →Who Should Consider Britam Fire and Burglary Insurance?
- 🏠 Homeowners and tenants wanting to protect their homes and belongings.
- 🏪 Business owners needing to safeguard premises, stock, and equipment.
- 🏢 Landlords and property managers seeking to protect rental properties.
How Step by Step Insurance Supports You as an Intermediary
Step by Step Insurance is your trusted partner in securing Britam Fire and Burglary Insurance. Here’s how we help:
- 👥 Personalized Consultation: We assess your property and risk profile to recommend the right sum insured and benefit options.
- 📋 Application Assistance: Our team guides you through the paperwork for a smooth and quick application process.
- ⚙️ Policy Customization: We help you add optional covers like business interruption and adjust your policy as your needs change.
- 🤝 Ongoing Support: From policy management to claims, we remain your point of contact for all matters related to your cover.
- 📞 Claims Advocacy: In the event of a loss, we support you through the claims process to ensure timely and fair settlement.
- 🔔 Regular Updates: We keep you informed about policy changes, renewal reminders, and relevant legal requirements.
Ready to Get Protected?
Speak with our insurance experts to find the right coverage for your needs.
REQUEST A CONSULTATIONInsurance Provider Comparison
See how Britam Fire and Burglary Insurance compares with other providers in the market:
| Feature | Britam | Other Providers |
|---|---|---|
| Business Interruption Cover | Included as optional benefit | Often requires separate policy |
| Premium Transparency | Fixed premiums quoted upfront | Variable premiums based on assessment |
| Exclusions | Clearly defined | Often has more extensive exclusions |
| Personal Accident Cover | Included in base cover | Usually requires separate policy |
| Intermediary Support | Comprehensive support via Step by Step Insurance | Varies by provider |
Learn more about why every Kenyan business needs fire and burglary insurance and how it can protect your investment.
Frequently Asked Questions
Can I insure only my contents or only the building?
Yes, you can choose to insure just your building, just your contents, or both.
Does the policy cover cash and documents?
No, loss of cash, currency, bank notes, or securities is excluded. Documents and business books are covered within policy limits.
What if I rent my premises?
You can insure your contents and cover rent payable if your premises become untenantable due to fire.
How are premiums calculated?
Premiums are fixed upfront based on the sum insured and benefit options you select.
What is the excess on claims?
10% of the claim amount, subject to a minimum of KES 1,000 (Option 1) or KES 5,000 (Options 2–5).
Conclusion
Britam Fire and Burglary Insurance is an affordable, flexible, and comprehensive solution for protecting your home or business from fire and theft. With clear payout structures, defined exclusions, and the support of Step by Step Insurance as your intermediary, you can enjoy true peace of mind knowing your property and valuables are secure.
Don’t Wait Until It’s Too Late
Secure your property with Britam Fire and Burglary Insurance today.
or
CONTACT USExternal Resources
Learn More About Britam Insurance Products
Visit Britam’s official website for more information about their fire and burglary insurance products:
Britam Fire and Burglary Insurance
Related Articles
Mandatory Travel Health Insurance for Foreigners in Kenya: What You Need to Know in 2025
Kenya is set to introduce a mandatory travel health insurance requirement for foreigners staying in the country for less than 12 months. This new policy, enforced under the Social Health Authority (SHA), aims to ensure that all non-Kenyan residents have valid health insurance coverage during their stay. The move is part of Kenya’s broader strategy to enhance health insurance uptake, improve healthcare access, and increase revenue collection within the health sector.
This directive follows a series of high-level discussions between Kenya’s Ministry of Health and the Ministry of Interior and Coordination of National Government, reflecting President William Ruto’s commitment to achieving Universal Health Coverage (UHC) by expanding insurance coverage to all people within Kenya’s borders. The Social Health Authority, launched in October 2024, replaces the older National Health Insurance Fund (NHIF) framework and introduces a more inclusive and regulated system for health insurance in Kenya.
Key Takeaways
- All foreigners staying in Kenya for less than 12 months must register for travel health insurance under SHA
- The policy aims to improve healthcare access and boost health sector revenue
- Insurance covers medical emergencies, hospitalization, and COVID-19 treatment
- Failure to comply may result in entry denial or legal penalties
- Insurance costs vary by age, duration of stay, and coverage limits
Table of Contents
- What is Mandatory Travel Health Insurance for Foreigners in Kenya?
- Who Must Register Under the SHA?
- How Does the Registration Process Work?
- Why is Kenya Requiring Mandatory Travel Health Insurance for Foreigners?
- What Does Travel Health Insurance Cover in Kenya?
- How Much Does Mandatory Travel Health Insurance Cost in Kenya?
- What Happens If You Don’t Register Your Travel Health Insurance?
- How to Choose the Right Travel Health Insurance for Kenya
- Frequently Asked Questions
- Tips for a Smooth Registration and Stay in Kenya
- Conclusion
- Related Resources
What is Mandatory Travel Health Insurance for Foreigners in Kenya?
Mandatory travel health insurance for foreigners in Kenya refers to the legal requirement that all non-Kenyan residents staying in Kenya for less than 12 months must register and maintain valid travel health insurance under the SHA. This insurance covers medical expenses incurred during their stay, protecting both the individual and the Kenyan healthcare system.
The Social Health Authority (SHA) is the regulatory body responsible for overseeing this insurance scheme. It ensures that insurance providers meet quality standards and that foreigners comply with registration and coverage requirements. This policy is designed to safeguard visitors from unexpected medical costs while promoting the uptake of health insurance products tailored to short-term residents.
Who Must Register Under the SHA?
The mandatory registration applies to:
- Non-Kenyan residents who plan to stay in Kenya for less than 12 months. This includes tourists, business travelers, students, expatriates on short-term assignments, and other foreign nationals.
- The requirement excludes Kenyan citizens and possibly diplomats or government officials under specific exemptions (though official exemptions remain to be clarified by the SHA).
- Visitors staying longer than 12 months may be subject to different insurance or residency requirements, often involving more comprehensive health insurance coverage.
This broad scope ensures that the majority of foreign visitors and short-term residents are covered, reducing the burden on public health facilities and improving financial protection for both visitors and the healthcare system.
How Does the Registration Process Work?
The government is currently establishing an administrative framework to operationalize this policy. The registration process is expected to involve the following steps:
- Purchase a travel health insurance policy from an SHA-approved insurance provider. The Insurance Regulatory Authority (IRA) has compiled a list of licensed insurers authorized to offer these policies.
- Submit registration details to the Social Health Authority, either online or at designated offices, including proof of insurance and personal identification.
- Receive a registration confirmation or certificate, which may be required for immigration clearance or other official processes.
- Maintain valid coverage throughout the stay in Kenya, with renewal options available for extended visits.
Applicants will need to provide documents such as passports, visas, and insurance certificates. The government is working to streamline the process to avoid delays at entry points and ensure compliance without inconveniencing travelers.
Why is Kenya Requiring Mandatory Travel Health Insurance for Foreigners?
Several key reasons underpin this new requirement:
- Enhancing Insurance Uptake: Kenya aims to increase the number of insured individuals to support its Universal Health Coverage goals. Foreign visitors represent a significant uninsured population that can benefit from coverage.
- Improving Healthcare Access: With insurance, foreigners can access timely medical care without financial hardship, reducing the risk of unpaid medical bills and strain on public hospitals.
- Boosting Revenue Collection: The government expects that mandatory insurance will generate additional revenue for the healthcare sector, supporting infrastructure and service improvements.
- Aligning with Global Best Practices: Many countries, including Schengen states in Europe, require travelers to have valid travel health insurance. Kenya’s policy aligns it with these international standards, enhancing visitor safety and confidence.
What Does Travel Health Insurance Cover in Kenya?
Travel health insurance policies compliant with SHA requirements typically cover:
- Medical emergencies and hospitalisation: Including accidents, sudden illnesses, and urgent care.
- COVID-19 and infectious diseases: Testing, treatment, and quarantine costs related to pandemics.
- Repatriation and medical evacuation: Transport back to the home country or to specialized facilities.
- Outpatient and inpatient services: Doctor visits, diagnostic tests, surgeries, and medications.
- Exclusions: Routine check-ups, pre-existing conditions (depending on policy), cosmetic procedures, and non-medical expenses.
This comprehensive coverage ensures that foreigners can access essential healthcare services without incurring prohibitive costs during their stay.
How Much Does Mandatory Travel Health Insurance Cost in Kenya?
The cost of travel health insurance varies depending on several factors:
| Factor | Impact on Cost |
|---|---|
| Duration of stay | Longer stays generally cost more |
| Age of the insured | Older travelers may pay higher premiums |
| Coverage limits | Higher coverage limits increase premiums |
| Medical history | Pre-existing conditions may raise costs |
| Insurance provider | Prices vary between providers |
Typical premiums for short-term travel health insurance in Kenya start from a few thousand Kenyan shillings (Kshs 2,500 and above), making it affordable for most visitors.
Travel Insurance Options Comparison
| Features | Basic Plan | Standard Plan | Premium Plan |
|---|---|---|---|
| Starting Price | Kshs 2,000 | Kshs 3,500 | Kshs 5,000 |
| Medical Coverage | Up to $10,000 | Up to $50,000 | Up to $100,000 |
| Evacuation | |||
| Pre-existing Conditions | Limited | ||
| COVID-19 Coverage | Basic | Standard | Comprehensive |
| More Information | Learn More | Learn More | Learn More |
What Happens If You Don’t Register Your Travel Health Insurance?
Failure to comply with the mandatory travel health insurance requirement can lead to:
- Legal penalties: Fines or other sanctions as stipulated by Kenyan law.
- Denial of entry or visa issuance: Immigration authorities may refuse entry to travelers without valid insurance.
- Restricted access to healthcare: Without insurance, foreigners may face high out-of-pocket costs or be denied non-emergency medical services.
- Potential deportation: In extreme cases, non-compliance could result in removal from the country.
Therefore, registering and maintaining valid travel health insurance is crucial for all foreigners planning to visit or stay in Kenya for less than 12 months.
How to Choose the Right Travel Health Insurance for Kenya
When selecting a travel health insurance policy for Kenya, consider the following:
- Compliance with SHA regulations: Ensure the insurer is approved by the Insurance Regulatory Authority and the policy meets SHA standards.
- Coverage scope: Look for policies that cover emergencies, COVID-19, evacuation, and repatriation.
- Cost-effectiveness: Compare premiums, deductibles, and coverage limits.
- Claims process: Choose insurers with a reputation for fast and fair claims handling.
- Customer support: Availability of 24/7 assistance and multilingual support.
Many local and international insurers now offer SHA-compliant products tailored to Kenya’s requirements. Consulting with a trusted insurance broker or agency can help you find the best option.
Need Help Finding the Right Travel Insurance for Kenya?
Get expert advice and compare quotes from approved providers.
GET A QUOTE NOW REQUEST CONSULTATIONFrequently Asked Questions about Mandatory Travel Health Insurance for Foreigners in Kenya
Can I use my home country’s insurance policy?
Only if the policy is registered and approved under the SHA framework. Otherwise, you must purchase local or SHA-recognized insurance.
How do I prove my insurance is registered under SHA?
You will receive a registration certificate or digital confirmation that you can present at immigration or healthcare facilities.
What if my stay extends beyond 12 months?
You may need to transition to a different insurance scheme, possibly under Kenya’s broader health insurance programs.
Are tourists required to register?
Yes, all non-Kenyan residents staying less than 12 months, including tourists, must register.
Can I renew or extend my insurance while in Kenya?
Yes, most providers offer renewal options to cover extended stays.
Tips for a Smooth Registration and Stay in Kenya
- Prepare your documents before arrival, including passport, visa, and proof of insurance.
- Purchase insurance early to avoid delays at entry points.
- Keep digital and printed copies of your insurance certificate.
- Familiarize yourself with emergency contacts and SHA support channels.
- Consult with your insurance provider about coverage specifics and claims procedures.
Conclusion: Stay Protected and Compliant with Mandatory Travel Health Insurance in Kenya
Kenya’s new mandatory travel health insurance for foreigners policy marks a significant step toward universal health coverage and improved healthcare access for all within its borders. By requiring non-Kenyan residents staying less than 12 months to register their travel health insurance under the SHA, Kenya protects visitors from unexpected medical costs while strengthening its healthcare system.
Foreign visitors should prioritize obtaining SHA-compliant travel health insurance before arrival to ensure a hassle-free entry and stay. This policy not only safeguards your health but also contributes to Kenya’s vision of a healthier, more inclusive nation.
Related Resources
- Visit the Social Health Authority (SHA) official website for registration guidelines.
- Contact Step by Step Insurance for expert advice and assistance with travel health insurance.
- Read more about Kenya’s Universal Health Coverage initiatives and healthcare reforms.
By understanding and complying with Kenya’s mandatory travel health insurance requirements, foreigners can enjoy their stay with peace of mind, knowing they are protected and contributing to Kenya’s health sector sustainability.
More Resources on Travel Insurance in Kenya
External References
Jubilee’s Goods in Transit Insurance – Comprehensive Protection for Your Goods on the Move
Transporting goods—whether for business or personal reasons—comes with significant risks. Accidents, theft, fires, and other unforeseen events can result in substantial financial losses. Jubilee’s Goods in Transit Insurance is designed to safeguard your goods from the moment they leave your premises until they reach their final destination. With Kenya’s busy roads and the importance of reliable logistics, this cover is essential for individuals and businesses that regularly move goods by road or rail.
📋 Key Takeaways
- Jubilee’s Goods in Transit Insurance provides comprehensive protection for your goods during transportation
- Coverage includes accidents, theft, fire, and damage during loading and unloading
- Suitable for businesses and individuals moving goods by road or rail
- Flexible policy options including single transit or annual cover
- Step by Step Insurance acts as your trusted intermediary to streamline the insurance process
📑 Table of Contents
- What Is Jubilee’s Goods in Transit Insurance?
- What Does Jubilee’s Goods in Transit Insurance Cover?
- Key Benefits of Jubilee’s Goods in Transit Insurance
- How Does Jubilee’s Goods in Transit Insurance Work?
- Who Should Consider Jubilee’s Goods in Transit Insurance?
- Frequently Asked Questions
- How Step by Step Insurance Acts as Your Trusted Intermediary
- Conclusion
What Is Jubilee’s Goods in Transit Insurance?
Jubilee’s Goods in Transit Insurance is a specialized policy that protects goods against loss, destruction, or damage while they are being transported by land. The cover applies from the time goods leave the insured premises until final delivery, ensuring continuous protection throughout the journey.
This insurance is suitable for:
- Individuals moving personal goods
- Businesses transporting stock, raw materials, or finished products
- Logistics providers and transport companies
Need to protect your goods during transportation? Learn why every Kenyan transport and logistics company needs this coverage.
What Does Jubilee’s Goods in Transit Insurance Cover?
Core Coverage
Jubilee’s policy covers loss or damage to goods caused by a wide range of risks, including:
- 🚨 Accidents (including collision and overturning)
- 🔒 Theft
- 🔥 Fire
- ⚠️ Destruction or damage from named perils
- 📦 Loss during loading, offloading, or while in transit
The policy protects goods transported by:
- Heavy and light lorries
- Omnibuses
- Motor cars
- Rail (for inland transit policies)
Types of Cover
There are two main types of cover under this policy:
- Inland Transit (All Risks) Clause
Covers all risks of loss or damage to insured goods while in transit by road or rail. - Inland Transit Clause (Lorry Clause)
Covers loss or damage to goods in transit by road or rail caused by fire, lightning, breakdown of bridges, collision, overturning, or derailment. (Note: Theft is not covered under this clause.)
Additional Features
- Temporary Storage: Coverage also applies while goods are temporarily housed in the ordinary course of transit within the territorial limits.
- Specified or Unspecified Vehicles: Policies can be tailored for single trips, specified vehicles, or cover all transits within a policy period.
Concerned about the risks of not having proper insurance? Don’t let your cargo go off track.
Key Benefits of Jubilee’s Goods in Transit Insurance
- 🛡️ Comprehensive Protection: Covers a broad range of risks, including accidents, fire, theft, and more.
- 🔄 Flexible Options: Choose between single transit or annual cover, and specify vehicles or opt for blanket coverage.
- ⏱️ Business Continuity: Minimizes financial loss and disruption to your business operations in the event of damage or loss.
- 😌 Peace of Mind: Know that your goods are protected from the time they leave your premises until they reach their destination.
- 🚚 Tailored for All Transporters: Suitable for individuals, small businesses, and large logistics operations.
| Related Resources | Why It Matters |
|---|---|
| Kenya as East Africa’s Logistics Hub | Learn how Kenya’s position as a logistics hub makes goods in transit insurance essential |
| Risks of Not Having Goods in Transit Insurance | Understand the potential financial implications of uninsured goods |
| Why Every Transport Company Needs This Cover | Discover why this insurance is a must-have for logistics businesses |
How Does Jubilee’s Goods in Transit Insurance Work?
Policy Options
- Single Transit Policy: Covers a one-time movement of goods from one location to another.
- Annual Policy: Covers all transits during the policy period, either for specified vehicles (with a per-vehicle limit) or on an unspecified basis (with a provisional premium adjusted at year-end).
Claims and Premiums
- Premiums: Calculated based on the value of goods, type of cover, frequency of transit, and risk factors.
- Excess: The insured bears a certain amount (excess) before Jubilee indemnifies the loss.
- Contribution: If there’s another policy covering the same goods, Jubilee pays only its proportion of the claim.
Who Should Consider Jubilee’s Goods in Transit Insurance?
- Manufacturers and wholesalers moving goods between warehouses or to retailers
- Retailers receiving stock from suppliers
- Transport and logistics companies carrying goods for clients
- Importers/exporters moving goods within Kenya by road or rail
- Individuals relocating or sending valuable items
Kenya serves as a major logistics hub for East Africa. Learn how goods in transit insurance comes in handy for businesses operating in this dynamic environment.
Coverage Comparison
| Feature | Inland Transit (All Risks) | Inland Transit (Lorry Clause) |
|---|---|---|
| Accidents | ✅ Covered | ✅ Covered |
| Fire | ✅ Covered | ✅ Covered |
| Theft | ✅ Covered | ❌ Not Covered |
| Loading/Unloading | ✅ Covered | ✅ Covered |
| Temporary Storage | ✅ Covered | ✅ Covered |
| Premium Cost | Higher | Lower |
Frequently Asked Questions
What types of goods can be covered?
Most types of goods, including raw materials, finished products, machinery, and personal belongings, can be insured. Hazardous or high-value items may require special terms.
Does the policy cover theft?
Yes, theft is covered under the All Risks clause but not under the Lorry Clause.
Can I get cover for a single trip?
Yes, the Single Transit Policy is designed for one-off movements.
Does the policy cover goods during loading and unloading?
Yes, coverage extends to goods while loading, offloading, and in temporary storage during transit.
How Step by Step Insurance Acts as Your Trusted Intermediary
Choosing the right goods in transit cover can be complex. Step by Step Insurance acts as your dedicated intermediary, making the process easy and ensuring you get the best protection for your needs.
Our role includes:
- 📋 Needs Assessment: We help you evaluate your transit risks and recommend the most suitable policy option.
- 📝 Application Assistance: Guidance through documentation and the application process for quick approval.
- ⚙️ Policy Customization: Tailoring cover for your specific goods, routes, and risk profile.
- 🔄 Ongoing Support: We assist with policy management, renewals, and any changes as your business grows.
- 🛡️ Claims Advocacy: In case of loss or damage, we help you navigate the claims process with Jubilee for a smooth and fair settlement.
With Step by Step Insurance, you benefit from expert advice, personalized service, and peace of mind knowing your goods are in safe hands throughout their journey.
Ready to Secure Your Goods in Transit?
Our insurance experts are ready to help you find the perfect coverage solution for your transportation needs.
Conclusion
Jubilee’s Goods in Transit Insurance is an essential safeguard for anyone moving goods by road or rail in Kenya. With flexible policy options, comprehensive risk protection, and the support of a trusted intermediary like Step by Step Insurance, you can focus on your business or personal needs without worrying about unexpected losses. Protect your goods on the move—choose Jubilee and Step by Step Insurance for reliable, stress-free transit cover.
