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When will I be contacted with insurance information?
For most of our products you can apply and buy insurance online without speaking to anyone. However specialists are always available on chat or over the phone to answer any of your questions. Upon purchase of your cover you will be assigned a personal Insurance Specialist who will contact you within 24 hours to introduce herself/himself. The Insurance Specialist will arrange for delivery of your policy documents or obtain additional information, if required. The IS will help you through the life of your policy and guide you through the insurance claims process should the unfortunate happen.
How is my rate determined?
Your car insurance premium rates are regulated by The Insurance Regulatory Authority of Kenya. There are a variety of other important determiners such as your driving record, location, and age. Those who have accident-free experience behind the wheel and live in less congested areas can sometimes get the most affordable rates. Other factors insurers might use to calculate your premium include, but aren’t limited to:
  • Marital status
  • Gender
  • Make and model of your car(s)
  • Kilometres you drive per year
  • Insurance Score
  • Insurance history
  • Credit score
How do I compare rates among companies?
It’s important to look at more than just the premium alone. Make sure the coverages, limits, discounts, deductibles, customer ratings and payment schedules all match up across different companies when comparing quotes.
Why did my rate increase?
If your premium at quote time is lower than what you’re asked to pay when the policy actually starts, there are a couple likely explanations: you may have left important information off when you got your quote, like past accidents. You will receive plenty of warning before this type of rate increase happens.

Typically, an increase in premium when renewing your car insurance, results from having accidents or violations, moving to a new city, town or location, or losing a previous discount. Sometimes, however, your premium can change not because of anything you did. For example, if claims have gone up recently, your rates could increase to account for the added cost. This is rare though.
What are my payment options?
You can pay your car insurance premium up front or in monthly installments.
Can I get auto insurance discounts?
Yes! BimaExchange offers drivers vehicle insurance discounts when you refer others to buy insurance through us. You may also qualify for additional discounts if you insure multiple vehicles.
What is excess when referring to insurance?
Excess is the amount you must pay out of pocket before your car insurance coverage kicks in. So if you had damage to your vehicle that cost Kshs 100,000 to fix and you had a Kshs 10,000 excess, you’d pay the first Kshs 10,000 and your underwriter will cover the other Kshs 90,000. Sometimes, the higher your deductible, the lower your premium.
What vehicle insurance is required by law?
All drivers must carry third-party liability insurance, which helps protect your finances if you cause others' property damage or bodily injuries, as well as accident benefits coverage.
How much vehicle insurance should I get?
With liability insurance, a common option is the Kshs 5 Million limit for Third Party Property Damage, Kshs 3 Million per passenger & Kshs 20million per event. Really, when choosing limits for liability coverage and any supplemental coverages, the golden rule is to purchase as much as you can comfortably afford. Other common factors to consider are your financial picture, your driving habits, and your area's driving risks (heavy traffic, bad weather, etc.).
Am I protected from hit and runs?
Yes, you'll be covered by your accident benefits coverage if struck by a hit-and-run driver. You must file a police report for an accident to be considered a hit and run.
Is my car covered outside of Kenya?
No, usually, your coverage is valid within Kenya only. Check the policy details to confirm if your policy covers you outside of Kenya.
Who else is allowed to drive my car?
Anyone listed under your policy or those who have your permission will typically be covered when using your car.
Do I have to add a newly licensed teen to my policy?
Yes. If you allow your teen to get a driver's license, he or she must join your policy and will enjoy the same coverages and benefits you do.
What is no-fault vehicle insurance?
Where practiced, no-fault vehicle insurance allows drivers to go through their own insurance company for settlements regardless of who caused the incident. So even if someone else ran into you, you'd still use your own car insurer to handle repairs and injury bills, not the at-fault driver's.
What should I do if I have a car accident?
Immediately report the accident to the police. Where possible, take as many picture as you can that show the damage to your vehicle and other vehicle(s) or other property. Take pictures that show the entire scene of the accident and/or some that show the direction of each of the vehicles involved. Once you’re safe and sound and your vehicle is out of the way, get in touch with us or report the accident online. Our customer service reps are standing by 24/7, 365 days a year, and you can file a claim online or over the phone.
What info will I need to file my claim?
It helps to have :
  • Insurance and contact information from any drivers involved
  • Contact info of witnesses
  • Photos and police abstract report (keep that smart phone handy)
  • Detailed information about the incident and items damaged (if a non-collision incident)
  • Name, badge number and telephone contacts of the police officer(s) (if any are called to the scene)
Do all claims impact my premium?
Not all claims, necessarily. Typically, an at-fault claim could result in your premium going up.
Can I get a rental car if my vehicle is in the garage after an accident?
Yes you could, if you have a loss of use endorsement on your policy, we'll help cover the cost of a rental vehicle while you wait for your car to be fixed. In cases where the other driver is at fault, you may also be reimbursed for the cost of a rental car while yours is being repaired.

Keep in mind you must have comprehensive and collision coverage to qualify for the loss of use endorsement.
What does it mean if my car is totaled or a write-off?
It means the cost to repair your car is more than its value. If you have a total loss, you'll likely receive a settlement for the vehicle's actual cash value instead of repairs.
How will information I provide be used?
The information you provide us will only be shared with the insurance provider that you finally select for coverage as part of your application and policy information. We will not sell or redistribute your information to any other third party. We are committed to our Privacy