Kenya’s trusted insurance partner:
Get Genuine Insurance in Kenya — Fast, Simple & 100% Reliable
From motor and medical to life, home, travel, and business insurance — we cover it all. Over a dozen personal and business products, fully verified by trusted providers in Kenya.
Verified Insurance Providers in Kenya
Instant Policy Processing
Expert Advice — Step by Step
No spam. No pressure. Just honest insurance guidance — tailored for you.
01
Claims, Handled With You
We guide you step by step through every claim—fast, clear, and always by your side.
02
Real Guidance. Real Clarity.
We simplify insurance so you can choose the right cover with confidence.
03
We Actually Show Up
Responsive, hands-on support whenever you need help—no delays, no confusion.
STEP BY STEP INSURANCE
OUR POLICIES
We cover all the insurance fields
Tailored protection for every stage of life and every business ambition.
Transparent, reliable, and crafted around you.
Personal Insurance
12 policiesEducation Insurance
Funeral Expense Cover
Golfers Insurance
Home Insurance
Fire and Burglary Insurance
Life Assurance
Medical Insurance
Motor Insurance
Personal Accident
Pet Insurance
Pension Plans
Travel Insurance
Business Insurance
10 solutionsMoney Market Funds
Contractual Liability & Performance Bonds
Crop Protection Coverage
Drone Insurance
Livestock Insurance
Group Life Insurance
Marine Insurance
Professional Indemnity
WIBA (Work Injury Benefits)
General Business
Book an Appointment
Very Responsive Staff.
We welcome walk-ins on working days. For immediate assistance, call us to book your appointment. If you are experiencing an emergency e.g accident, call us immediately.
Call Us
+254 (0) 716 534 192
+254 (0) 729 712 200
+254 (0) 735 626 912
Drop Us an E-Mail
info@stepbystepinsurance.co.ke
Locations
Scripture Union Building, 1st floor, off Argwings Kodhek road, behind Shell petrol station Hurlingham.
Danka Plaza, 2nd Floor, Kitengela Road.
Award-Winning Agents
Nominated for AKI awards as best medical and general insurance agents in Kenya
Lightning Fast Quotes
Average response time: 4 minutes 38 seconds
Average Savings: KES 8,400
Clients save an average of 34% by comparing
100% IRA Regulated
Licensed intermediary, fully compliant with Kenyan law
Step By Step Insurance
Most Frequently Answered Questions
Your complete guide to motor, medical, business, life, and niche covers in Kenya. We provide transparent, expert answers so you can insure with confidence.
Once payment is confirmed via M-Pesa, Step By Step Insurance issues your digital certificate immediately via WhatsApp or Email. You can print it or show it to traffic authorities directly from your phone — no waiting for physical delivery.
Third Party is the legal minimum and only covers damages you cause to others (their car, property, injuries). Comprehensive covers theft, fire, accidental damage to your own vehicle, and also third-party liabilities. For new or financed cars, Comprehensive is highly recommended.
1. Ensure safety and call for ambulance if needed. 2. Take clear photos of the scene, number plates, and damages. 3. Never admit liability. 4. Report to nearest police station within 24hrs to obtain a police abstract. 5. Call us on 0716 534 192 to start your claim process.
Yes! We offer Insurance Premium Financing (IPF) that splits your annual premium into 4–10 affordable monthly installments. Interest rates are competitive, and you drive away with full annual cover.
Excess is the amount you pay when you claim (e.g., Ksh 10,000). With Excess Protector (a small add-on), we waive that excess, so you pay Ksh 0 out-of-pocket during a claim — saves you money especially after accidents.
Most policies cover Kenya only. However, we offer COMESA Yellow Card insurance add-on that extends cover to Uganda, Tanzania, Rwanda, and Burundi. Let us know before travel.
Private insurance gives you “Fast-Track” access to top-tier hospitals (Aga Khan, Nairobi Hospital, MP Shah), covers higher bed limits, overseas treatments, dental/optical, and eliminates waiting lists. SHIF acts as a base layer.
Standard waiting periods in Kenya: 30 days for general illness, 10 months for maternity, and 12 months for pre-existing chronic conditions like diabetes, hypertension, or asthma. Always review your policy schedule.
Most basic plans exclude them, but you can add “Dental & Optical Riders” for a small extra premium. This covers routine checkups, fillings, extractions, and prescription glasses up to a limit.
Yes, we offer specialized “Senior Citizen” covers for parents up to age 80, covering inpatient, outpatient, and chronic meds. This ensures they get quality care without burdening family savings.
We provide a digital provider panel (updated monthly). You can also call our 24/7 helpline or use your biometric smart card at any partner hospital for instant cashless admission.
Yes, most comprehensive plans cover pre-existing conditions after a 12-month continuous waiting period, subject to underwriting. Some insurers also accept after 24 months. We will guide you to the best option.
WIBA (Work Injury Benefits Act) is a compulsory insurance for all employers in Kenya. It covers medical expenses, permanent disability, and death benefits for employees injured at work. Step By Step Insurance handles registration, filing returns, and claims — keeping your business compliant.
We offer Material Damage & Business Interruption insurance. It covers loss or damage due to fire, burglary, floods, and riots. Business interruption pays for lost income while you rebuild. Get a tailored SME Package in one click.
Public Liability protects your business if a third party (customer, supplier, passerby) gets injured or their property is damaged due to your operations. For example, a client slips in your shop — we cover legal fees & compensation.
If you transport goods (e.g., stock to customers, raw materials), Goods in Transit covers theft, accident, or hijacking while on the road. Standard motor policies often exclude cargo. We offer flexible per-trip or annual policies.
Fidelity Guarantee protects your business against dishonest acts by employees — fraud, theft of cash, stock, or equipment. Ideal for cashiers, accountants, and stock controllers. We help you recover losses up to the sum insured.
Yes. Professional Indemnity covers negligence, errors, or omissions in the services you provide (e.g., architects, IT consultants, lawyers). It covers legal defence costs and damages if a client sues for financial loss.
Term Life covers you for a specific period (e.g., 20 years) — pure protection, lower premiums. Whole Life covers you until death and includes a savings/investment component (cash value). We help choose based on your family goals.
Absolutely. Mortgage Protection clears your outstanding home loan balance if you pass away or suffer permanent disability. Your family keeps the house debt-free. Premiums are affordable and reduce as the loan reduces.
An Education Policy is a savings-linked life plan that matures when your child turns 18 or enters university. You pay regular premiums; in case of your death, the policy continues and pays the full sum for education. Guaranteed school fees.
Group Life covers all employees under a single master policy. In case of death, each beneficiary receives a lump sum (e.g., 3x annual salary). It’s a cost-effective employee benefit that boosts loyalty and is tax-deductible for businesses.
Yes — we offer Critical Illness Riders (add-on) that pays a lump sum upon diagnosis of covered illnesses like cancer, kidney failure, heart attack, or stroke. The money can be used for treatment, mortgage, or daily expenses.
Many life policies (Unit Linked or Endowment) allow partial withdrawals after a minimum period (e.g., 3 years). However, early surrender may have penalties. We can recommend a policy that matches your liquidity needs.
Travel Insurance covers medical emergencies abroad, trip cancellation, lost baggage, flight delays, and personal liability. Also includes emergency evacuation. Ideal for holidays, business trips, or study abroad. Get single or annual multi-trip cover.
Yes! Our Personal Accident (PA) plan provides 24/7 cover for accidental death, permanent disability, and medical expenses for injuries — even outside work. Affordable daily/weekly plans for riders, delivery personnel, and casual workers.
Absolutely. Our Gadget Insurance covers theft, accidental damage (screen crack, water damage), and even liquid spills. Premiums start from as low as Ksh 300/month. Quick claims via WhatsApp — repair or replacement.
Livestock insurance covers death of cattle, goats, or sheep due to accidents, diseases, or lightning strikes. We value animals based on market price and vet certification. Also covers beehives and crops. Protects rural livelihoods.
Event Cancellation protects your deposits and expenses if you must cancel or postpone due to unforeseen reasons: extreme weather, key person illness, venue double-booking, or civil unrest. We reimburse venue, catering, and vendor costs.
Yes, we have specialized Hire & Reward insurance for PSV and e-hailing vehicles. It covers passenger liability, comprehensive damage, and third-party risks. Comply with NTSA regulations and protect your income.
What Our Clients Think About Us
Here are testimonials from our clients.
MARTIN MURITHI MWIRIGI
12:03 22 Jul 25
My experience with Step by Step insurance Agency Limited was beyond expectations, Time effective with good communication channels They offer tailored options to fit one's needs, and the process remains smooth and transparent. Thank you Step by Step Insurance Agency Ltd I recommend your services to anyone and everyone who will see this
Lesile Le Selelo
06:00 13 Jan 25
Step By Step Insurance Agency is always committed to building strong, lasting relationships with its clients. Their goal is ensuring your peace of mind and offering insurance solutions that safeguard your future.
Response from the owner 06:40 11 Feb 25
Thank you for your great feedback! 😊 We're glad you were satisfied with our services and look forward to working with you again.
Tony Kibet Langat
12:25 08 Oct 24
Excellent Services
Response from the owner 13:01 14 Oct 24
Thanks so much for your great feedback! 😊 We’re thrilled to hear you were happy with our services. Your support means a lot, and we look forward to working with you again. Thanks again!
Evaton Systems Ltd
12:27 04 Oct 24
Talk of reliability, timeliness and consistency.......this is what Step by Step is. More than 5 years they have served us diligently.
Response from the owner 13:01 14 Oct 24
Thank you for your awesome feedback about our services. We really appreciate your support and are thrilled to know you had a great experience. Looking forward to serving you again soon! 😊
Nahashon Omondi
03:32 03 Oct 24
I was referred to Step by Step in particularly Faith by a friend and I have never regreted. Not only is she Prompt at handling Insurance cases she goes ahead to offer free valuable advice on insurance issues as well as investments. First time I bought a car she guided me on the best policies available and did all the research to provide me the best available quotations, thank you so much Faith, you can count on my business any day everyday. Step by Step is the best in the business and I highly recommend them for you.
Response from the owner 13:02 14 Oct 24
Thank you so much for your kind words and positive feedback about our services. We are delighted to hear that you had a great experience, and we truly appreciate your trust in us. We are also grateful for the referral and look forward to continuing to serve you and those you recommend to us with the same dedication and excellence.
N Odede
23:08 02 Oct 24
Step by Step Insurance Agency guided me through every necessary process after my car was involved in an accident. True to their word, the repairs were completed perfectly and in a timely manner. I highly recommend their services.
Response from the owner 13:03 14 Oct 24
Thank you for your kind review! We're glad we could assist you in getting your car back to its best after the accident. Your satisfaction is our priority, and we appreciate your trust in our services. If you need anything else in the future, please don't hesitate to reach out. 
MOSTRICK ENTERPRISES LTD.
17:09 20 Aug 24
Our insurer for the last seven years!
It's been a smooth partnership & they've demonstrated a high level of professionalism & dedication in serving us.
We highly recommend them.
It's been a smooth partnership & they've demonstrated a high level of professionalism & dedication in serving us.
We highly recommend them.
Response from the owner 13:04 14 Oct 24
Thank you so much for your kind feedback and for being a valued partner over the years. We truly appreciate your trust and loyalty, and we look forward to continuing our successful partnership together!
Joseph Mugambi
17:00 20 Aug 24
They're so reliable, the best in the market.
Try them..you won't regret.
Try them..you won't regret.
Response from the owner 11:41 19 Sep 24
Thanks Mugambi..Much appreciated
Clivia Mari
17:58 08 Jul 24
This is my insurer and I'd like to recommend them to all my students out there. They'll give you the best rates for your accident cover and so much more.Step by step all the way.
