Featured Insight
Start with the answers that matter most.
Comprehensive vs Third-Party Car Insurance: Which One Is Right for You?
Buying car insurance in Kenya but not sure which cover you need? Understand the differences between third-party, third-party fire & theft and comprehensive motor insurance, and choose the protection that suits your vehicle.
Motor Insurance
5 min
What Does Motor Insurance Cover in Kenya?
From windscreen extensions and passenger legal liability to flood protection during Nairobi rains.
Claims
4 min
How to Make a Motor Insurance Claim in Kenya
The step-by-step checklist: police abstract, photo evidence, assessment centre turnaround and fast-track settlement.
Explore Insurance Topics
Find clear answers and practical advice for the things that matter most.
Getting Started
How to choose the right cover, understand policy documents, and get set up with Geminia.
Motor Insurance
Understand your vehicle cover, private vs commercial motor, and road risks.
Personal Accident & Protection
Explore protection for yourself, your family, and your income.
Claims Process
Step-by-step guidance to filing a claim and the documents you'll need.
Property & Home
Protecting your home, belongings and valuable possessions.
Business & Marine
Risk management for SMEs and marine cargo insurance.
Travel Insurance
Travel with confidence, wherever your journey takes you.
Agribusiness
Crop and livestock insurance explained for Kenyan farmers.
Downloads
Access policy documents, claim forms and product brochures.
What Do I Do If...?
Tap a situation to ask Geminia's AI assistant what to do next.
Only in Kenya
Insurance stories, everyday risks and lessons that feel a little too familiar.
5 Things Kenyans Assume Their Insurance Covers — But May Not
From water damage in underground parking lots to lending your car to a non-registered driver.
The Car Was Fine... Until Nairobi Decided Otherwise
Potholes on Jogoo Road, stray handcarts on Enterprise Road, and how to document non-fault mishaps.
"My Friend Said I Don't Need Insurance" — Famous Last Words
Why relying on emergency Harambee WhatsApp groups costs far more than an annual HomePack premium.
Rain, Roads & Your Car: What Happens When Nairobi Floods?
Hydro-lock engine damage: do you need a special endorsement? Guidelines for navigating flash floods safely.
Latest Insurance Insights
Authoritative articles designed to answer your everyday questions.
What Is Insurance and How Does It Work?
A beginner-friendly breakdown of premiums, policy excess, sum insured and how risk pooling shields Kenyans from catastrophic loss.
How Much Does Car Insurance Cost in Kenya?
Factors that shape your rates: vehicle valuation, engine displacement, driver age, tracking telematics, and typical percentage brackets.
What Does Home Insurance Cover in Kenya?
Distinguishing building structures from interior contents, domestic worker accidents (WIBA), and all-risks jewellery coverage.
Do I Really Need Travel Insurance?
Schengen visa requirements, overseas medical emergency bills, flight cancellations, and repatriation protections explained.
Why Every Small Business in Kenya Needs Insurance
Protecting retail inventory from burglary, public liability against customer slips, and business interruption cash flow continuity.
What Is Crop Insurance and How Does It Work?
Parametric weather indexing, drought & excessive rainfall buffers, and livestock mortality compensation for Kenyan farms.
Geminia Expert Insights
Perspectives on insurance, risk and the changing needs of Kenyans.
Satellite Telemetry & Micro-Pensions: Reimagining Smallholder Security
How automated rainfall sensor stations in the Rift Valley trigger instant payouts without cumbersome physical claims adjustment.
The 48-Hour Claim: How Automation Is Eliminating Underwriting Friction
A deep dive into Geminia's digital assessment centre and electronic document verification reducing turnaround from weeks to hours.
Closing the Kenyan Insurance Penetration Gap: Micro-Premiums & M-Pesa
Overcoming the psychological hurdles to insurance adoption through plain-English policies, zero jargon, and bite-sized payments.
Frequently Asked Questions
Quick answers to common questions.
You can renew online via your policy dashboard, through your agent, or by contacting our support team ahead of your expiry date.
An excess is the amount you agree to pay towards a claim before your insurance cover applies to the rest.
Processing times vary by product and complexity, but most straightforward claims are settled within a few working days of receiving all required documents.
Yes, M-Pesa is accepted for premium payments, our paybill number is 553201
Not Sure What Cover You Need?
Get clear answers, explore your options and find the right protection for what matters to you.