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.
Key Takeaways
- Pay motor insurance in flexible monthly instalments over 3, 6, 9, or 12 months
- Fully digital experience – purchase, download stickers, and file claims online
- Comprehensive coverage options with valuable free benefits
- Expert support from Step by Step Insurance Agency at no extra cost
- Improved cash flow management compared to traditional annual payments
Table of Contents
- What Is CIC Easy Bima?
- Key Features & Benefits
- Who Can Buy CIC Easy Bima?
- How to Buy CIC Easy Bima
- How Step by Step Partners with CIC
- Managing & Renewing Your Policy
- Claims Process
- How Premiums Are Calculated
- CIC Easy Bima vs Traditional Insurance
- Frequently Asked Questions
- Real-World Case Study
- Conclusion & Next Steps
- Resources & Links
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
- Visit the Easy Bima Portal
Go to easybima.cic.co.ke and click “Get a Quote.” - Enter Vehicle Details
Provide make, model, year, and estimated sum insured. - Select Cover Type
Choose between Comprehensive, Third-Party Only, or Third-Party Fire & Theft. - Provide Personal Information
Fill in name, phone number, email, and KRA PIN. - Choose Instalment Plan
Pick 3, 6, 9, or 12-month payment schedule. - 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
“I run a 5-seater Uber and was stressed about annual premiums. CIC Easy Bima through Step by Step allowed me to spread the cost over 12 months—now my cashflow is predictable, and I was back on the road in 24 hours after my last claim.”
— Esther N., Nairobi
Conclusion & Next Steps
With CIC Easy Bima, you get flexible payments, digital convenience, and robust cover—all backed by Step by Step Insurance Agency’s personalised support.
Ready to drive worry-free?
Secure your motor cover today—lipa mdogo mdogo na CIC Easy Bima kupitia Step by Step Insurance!
