CIC Easy Bima: What this Flexible Monthly Motor Insurance Offers

CIC Easy Bima lets you “lipa mdogo mdogo” (pay little by little) for your motor insurance—spread your premium over up to 12 monthly instalments—while still enjoying full cover and online convenience. As an intermediary, Step by Step Insurance Agency makes it easy to access CIC Easy Bima’s flexible, affordable motor insurance—guiding you through every step so you can drive with confidence.

What Is CIC Easy Bima?

CIC Easy Bima is a monthly motor insurance cover underwritten by CIC General Insurance Company. Unlike traditional annual policies, Easy Bima allows you to spread your premium over 3, 6, 9, or 12 months, making budgeting simple.

• Digital End-to-End: Purchase, download your car sticker, and lodge claims entirely online via the Easy Bima Portal.
• Flexible Instalments: Choose the number of instalments that suit your cash flow.
• Comprehensive & Third-Party Options: Third-Party Only (TPO), Third-Party Fire & Theft (TPF&T), and Comprehensive covers are all available.
• Transparent: No hidden fees—your policy documentation clearly shows each instalment amount.

Key Features & Benefits of CIC Easy Bima

Lipa Mdogo Mdogo (Pay Little by Little)

• Spread premiums over up to 12 equal payments.
• Protects your cash flow during lean months.

Digital Convenience

• 24/7 Self-Service through the CIC Easy Bima Portal.
• Instant policy issuance and e-sticker download upon payment.

Value-Added Benefits

Benefit	Free Limit	Additional Cover Rate
Windscreen	Ksh 30,000	Ksh 1,000 per extra Ksh 10,000
Vehicle Entertainment	Ksh 30,000	Ksh 1,000 per extra Ksh 10,000
Loss of Use (Courtesy Car)	–	Up to Ksh 30,000 at Ksh 3,000
Forced ATM Withdrawal	–	Up to Ksh 40,000 at Ksh 4,000
Out-of-Station Accommodation	–	Up to Ksh 20,000 at Ksh 2,000
Personal Effects	–	Up to Ksh 20,000 at Ksh 2,000
Spare Wheel/Theft of Accessories	–	Up to Ksh 30,000 at Ksh 3,000

All extra benefit rates per brochure

Competitive Pricing

• Own Damage Excess: 2.5% of Sum Insured (Min Ksh 20,000; Max Ksh 100,000).
• Third-Party PD: Ksh 7,500 (basic) up to Ksh 5,000,000 (up to Ksh 1,000 per extra Ksh 1,000,000).

Who Can Buy CIC Easy Bima?

Eligible Vehicles: Private motor vehicles (cars, SUVs), and light commercial vehicles.

Customer Requirements:

• Valid Kenyan ID or Passport.
• KRA PIN.
• Logbook copy and driver’s licence details.
• No physical office visit needed—just your smartphone or laptop!

How to Buy CIC Easy Bima

1. Visit the Easy Bima Portal
   Go to easybima.cic.co.ke and click “Get a Quote.”
2. Enter Vehicle Details
   Provide make, model, year, and estimated sum insured.
3. Select Cover Type
   Choose between Comprehensive, Third-Party Only, or Third-Party Fire & Theft.
4. Provide Personal Information
   Fill in name, phone number, email, and KRA PIN.
5. Choose Instalment Plan
   Pick 3, 6, 9, or 12-month payment schedule.
6. Make Payment
   Pay via M-PESA, download your e-sticker immediately, and you’re covered!

Need help? Contact Step by Step via Get a Quote or call +254 716 534 192.

How Step by Step Partners with CIC for Your Benefit

When you choose CIC Easy Bima through Step by Step Insurance Agency, you gain an extra layer of expertise and service:

Dedicated Intermediary Support

Our agents guide you through the online purchase, answer questions, and assist with policy customisation—all at no extra cost.

Customized Advice

We analyze your driving profile and recommend the optimum cover level—from affordable TPO to all-risk comprehensive—to suit your budget and risk tolerance.

Claims Advocacy

In the event of a claim, our team liaises with CIC on your behalf to ensure swift documentation, reliable repair partnerships, and transparent communication.

Value-Added Services

Through Step by Step, enjoy exclusive benefits such as extended courtesy car days, negotiated towing rates, and emergency helpline support—available only to our clients.

Why Work with Step by Step?

Advantage	CIC Easy Bima Direct	Via Step by Step Insurance
Personalised Policy Setup	–	✓ Agent-guided advice
Claims Assistance	Basic self-service	✓ Full advocacy and follow-up
Exclusive Perk Negotiations	Standard rates	✓ Discounted towing & repairs
Local Office Support	No	✓ Hurlingham & Kitengela branches
WhatsApp & Helpline	Portal chat only	✓ Direct WhatsApp + call support

Partnering with Step by Step means you never navigate CIC Easy Bima alone.

Managing & Renewing Your CIC Easy Bima Policy

Online Dashboard

Track upcoming instalments, download policy docs, and view payment history via the CIC portal.

Auto-Renewal Option

Opt-in for automatic renewal reminders at 30 and 7 days before expiry.

Mid-Term Adjustments

Upgrade sum insured or add extra benefits mid-term with proration.

Cancellation & Refunds

• Cancel any time via the portal or your Step by Step agent.
• Refunds for unused months calculated pro-rata (less administrative fee).

Need a hand? Reach out on WhatsApp 0722 888 350 or email info@stepbystepinsurance.co.ke.

Claims Process for CIC Easy Bima

Notify CIC

Submit your claim online or via Step by Step within 24 hours of the incident.

Documentation

• Police abstract
• Repair cost estimates
• Photos of damage

Partial Damage Repairs

Continue monthly instalments; repairs commence once documentation is complete.

Total Loss

Balance premium paid or deducted from the settlement amount.

Exclusions & Lapsed Periods

Claims during lapsed instalment periods are not eligible for settlement.

Tip: Keep digital copies of your logbook and driving licence on your phone for faster claim lodgment.

How Premiums Are Calculated

Premiums depend on:

• Vehicle Details: Make, model, age, Sum Insured.
• Driver Profile: Age, claims history, driving experience.
• Coverage Level: TPO vs Comprehensive, extra benefit selections.

Example:

Cover Type	Sum Insured	Term	Total Annual Premium	Monthly Instalment (12-mo)
Comprehensive	Ksh 1,000,000	12 mo	Ksh 60,000	Ksh 5,000
Third-Party Only	–	12 mo	Ksh 10,000	Ksh 833

Actual premiums vary

CIC Easy Bima vs Traditional Annual Motor Insurance

Aspect	Annual Lump-Sum Policy	CIC Easy Bima
Payment Structure	One-off annual payment	3–12 monthly instalments
Budget Impact	High upfront cost	Smoothed cash flow
Renewal Flexibility	Manual reminder only	Automated instalment reminders
Digital Experience	Agent-dependent	Fully online via portal & Step by Step
Mid-Term Adjustments	Often penalties apply	Pro-rata adjustments

Bottom line: If you value cash-flow management and digital convenience, CIC Easy Bima is the smarter choice.

Frequently Asked Questions (FAQs)

Can I switch to CIC Easy Bima mid-year?

Yes—cancellation of your annual policy and pro-rata transfer to Easy Bima is possible through our agents.

What happens if I miss an instalment?

You have a 7-day grace period; after that, cover lapses and claims during lapse aren’t payable.

Can I pay a lump sum to settle early?

Absolutely—log in to the portal or contact Step by Step to make a one-off settlement.

Is windscreen cover included?

Yes—up to Ksh 30,000 free, with top-up options.

How do I update vehicle details?

Submit a request via portal or WhatsApp to your agent at 0722 888 350.

Real-World Case Study

Conclusion & Next Steps

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