Marine Insurance Companies in Kenya Compared

There is no single best one. GA, Britam, Geminia, Mayfair and ICEA LION wrote the most marine premium in 2023, but the right insurer for you depends on your goods, route, cover level and how claims are handled. We compare quotes from several insurers for each shipment.

From any Kenyan-licensed general insurer that writes marine cover, through an IRA-licensed insurance agency such as Naveah, through your clearing agent's platform, or on the eCitizen insurance portal. All of them must issue the same digital certificate against your IDF.

A portal sells you a certificate; we compare insurers for the right cover level, check the value and terms, and help you if you ever need to claim. Our service is free to you: the insurer pays our commission, and the premium is the insurer's own rate.

Insurers do not publish rates, but market estimates put most import cargo at about 0.15% to 0.6% of the insured value, with minimum premiums of about KES 2,500 to 5,000 a shipment. On goods worth KES 2 million that is roughly KES 3,600 to 14,500 before levies. Fragile, high-theft or used goods cost more.

Usually yes. Insurers set the excess in the quote, often as a fixed amount or a percentage of the claim, and it can be higher for theft, used goods or fragile items. No Kenyan insurer publishes standard excess figures, so compare them when you compare quotes.

Tell us and the insurer as soon as you see damage or a shortage, before you sign a clean delivery receipt. Keep the goods and packing, ask for a survey, give the carrier written notice of a claim, and send the claim documents. We follow the claim through to settlement.