Personal Insurance

Protect Yourself, Your Family, and Your Future.

Explore comprehensive personal insurance solutions designed to protect your health, income, assets, travels, and loved ones at every stage of life.

Our Solutions

Personal Insurance Solutions

Choose from a complete range of personal covers, curated by RiskMate and underwritten by Kenya's leading insurers.

Private Motor Insurance

Comprehensive and third-party cover for your personal vehicles.

  • Accident damage
  • Theft & fire
  • Third-party liability
Who it's for
Individuals owning saloons, SUVs and pickups for private useFamilies with multiple personal vehiclesYoung professionals financing a car via loan or asset finance

Home Insurance

Cover for your house, contents and household possessions.

  • Fire & perils
  • Burglary
  • All-risks contents
Who it's for
Homeowners protecting their primary or secondary residenceLandlords insuring rental propertyTenants who want to cover their household contents

Medical Insurance

Inpatient, outpatient, dental, optical and emergency cover for you and your family.

  • Individual & family plans
  • Wide hospital network
  • Inpatient & outpatient
  • Dental & optical add-ons
Who it's for
Individuals and familiesSelf-employed professionalsExpatriates living in Kenya

Life Insurance

Financial protection for your loved ones in case of death, disability or critical illness.

  • Family income protection
  • Wealth preservation
  • Legacy planning
  • Optional riders
Who it's for
BreadwinnersParentsBusiness owners

Personal Accident Insurance

Compensation for accidental death, disability and accident-related medical costs.

  • Worldwide cover
  • Income replacement
  • Emergency medical
  • Funeral expenses
Who it's for
Salaried professionalsSelf-employedFrequent travellers

Travel Insurance

Cover for medical emergencies, cancellations and lost baggage when you travel.

  • Medical emergencies abroad
  • Trip cancellation
  • Lost baggage
  • Emergency evacuation
Who it's for
Leisure travellersBusiness travellersStudents abroad

Domestic Package Insurance

All-round protection for your home, contents and household staff.

  • Building & contents
  • Burglary & fire
  • Personal liability
  • Domestic staff WIBA
Who it's for
HomeownersTenantsLandlords

Education Insurance Plan

Long-term savings to secure your child's education.

  • Guaranteed savings
  • Education continuity
  • Flexible contributions
  • Premium waiver on death
Who it's for
ParentsGuardiansGrandparents

Last Expense Insurance

Immediate funds for funeral and burial expenses.

  • Fast payout
  • Affordable premiums
  • Family relief
  • Optional extended family
Who it's for
Anyone aged 18–75Family headsGroups & SACCOs

Critical Illness Insurance

Lump-sum benefit on diagnosis of a covered critical illness.

  • Lump-sum on diagnosis
  • Income protection
  • Peace of mind
  • Pairs with life cover
Who it's for
Adults 18–65Family breadwinners

Disability Income Protection

Replaces your income when illness or injury stops you working.

  • Monthly income benefit
  • Flexible benefit periods
  • Own-occupation option
  • Inflation protection
Who it's for
ProfessionalsSelf-employedSole breadwinners

Mortgage Protection Insurance

Settles your outstanding mortgage on death or permanent disability.

  • Protects family home
  • Loan settlement
  • Decreasing or level cover
  • Disability extension
Who it's for
Mortgage holdersJoint borrowers

Personal Liability Insurance

Cover for legal liability for injury or damage you cause to others.

  • Legal cost coverage
  • Compensation payments
  • Worldwide options
  • High limits available
Who it's for
HomeownersPet ownersHosts & landlords

Golfers Insurance

Tailored cover for golf enthusiasts on and off the course.

  • Personal accident
  • Third-party liability
  • Equipment cover
  • Hole-in-one benefit
Who it's for
Club membersAmateur golfersProfessional golfers

Personal Cyber Insurance

Protection against online fraud, identity theft and cyber extortion.

  • Identity theft protection
  • Online fraud reimbursement
  • Cyber extortion support
  • Digital asset recovery
Who it's for
Active online usersFamilies with childrenHigh-net-worth individuals

Individual Pension & Retirement

Long-term savings to fund a comfortable retirement.

  • Retirement savings
  • Tax advantages
  • Financial independence
  • Flexible contributions
Who it's for
EmployeesSelf-employedAnyone planning for retirement
Why RiskMate

A protection concierge, not a policy vendor.

Expert Professional Advice

Licensed brokers with decades of combined experience tailoring covers to Kenyan families.

Leading Insurance Providers

Direct access to the country's top 16+ insurers — we negotiate on your behalf.

Tailored Solutions

Bundled policies sized to your lifestyle, dependants and long-term goals.

Dedicated Claims Support

A single advisor walks every claim through to settlement — fast.

Call +254 743 694 879WhatsApp: +254 743 694 879