GeraSure in Kenya 2026 — IRA-Licensed Insurance with M-Pesa Premiums

Regulation: IRA, the Insurance Act, and AKI

All underwriters distributed on GeraSure are licensed by the Insurance Regulatory Authority (IRA) of Kenya under the Insurance Act. Market conduct is guided by the Association of Kenya Insurers (AKI). GeraSure operates as a licensed insurance intermediary (broker/aggregator) with an IRA-issued licence number, and claims are handled end-to-end with the carrier. Data is processed under the Data Protection Act 2019 and ODPC registration.

Policies available in KSh

• Motor Third Party (private car): from KSh 7,500/year
• Motor Comprehensive (value KSh 1.5M): from KSh 65,000/year
• PSV (taxi / boda): starts KSh 18,000/year, boda daily from KSh 80
• Outpatient cover (family of 4): from KSh 25,000/year
• Home contents: from KSh 4,500/year for KSh 1M sum insured
• Life / term assurance: from KSh 300/month

M-Pesa premium collection

Pay premiums monthly, quarterly, or annually by M-Pesa STK push. Certificate delivered by SMS and email within two minutes of payment. Auto-renewal optional (24 hours before lapse). Airtel Money, T-Kash, bank standing order, and card (Visa/Mastercard) also supported.

Claims process

1. Report claim in-app or via WhatsApp within 48 hours.
2. Upload photos, NTSA abstract (for motor), and supporting documents.
3. Assessor dispatched from the underwriter's panel, typically within 24 hours for Nairobi.
4. Settlement target: 14 working days for straightforward motor claims.

Competitive landscape

Kenya's largest insurers include Britam, Jubilee, APA, ICEA LION, CIC, and AAR (health). Online comparison platforms include Bima, Pesapal Insurance, and bolt-ons from Safaricom M-Pesa. GeraSure's differentiators: compare 8+ underwriters on one screen, M-Pesa instalments, in-app claims tracking with photo upload, and cross-product GeraCoin rewards.

Cities and cover footprint

Motor and home cover is nationwide across all 47 counties. Outpatient provider networks are densest in Nairobi (Westlands, Karen, Kilimani), Mombasa, Kisumu, Nakuru, and Eldoret, with over 2,000 provider panels across AAR, Jubilee, and Britam networks.

Related Gera products for Kenya

• GeraClinic in Kenya — KMPDC-licensed telemedicine bundled with outpatient cover.
• GeraRide in Kenya — PSV cover built for cab and boda drivers.
• GeraRent in Kenya — tenant contents cover at signature.