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  • Accidents on our roads claim an average of 3,000 lives a year.
  • Statistics show that pedestrians and motor cyclists form a majority of the victims
  • So during this festive period Association of Kenya Insurers would like to remind you to keep safe.

If you are a motorist,

  • Respect all other road users,
  • Obey the traffic lights, and
  • Keep within the speed limits on the roads.
  • Don’t be in a hurry, it is better to arrive late and arrive alive.

If you are a pedestrian,

  • Try and use pedestrian bridges where they are provided,
  • Cross at the zebra crossing, and remember to look right, look left and look right again before crossing the road.
  • Be on the lookout for bodabodas.
  • Avoid using ear/headphones when walking.
  • Always be aware of your surroundings.

If you are a bodaboda rider,

  • Respect traffic rules and traffic lights
  • Always wear a helmet, reflective clothing and proper footwear
  • Carry one passenger at a time
  • Wear cycling gloves to protect your hands
  • Do not drink and ride a motorbike

If you are a bodaboda passenger, always insist on wearing a safety helmet and reflective clothing.

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What is Personal Accident insurance?

This is an insurance that provides you with cover in the event of injuries, disability or death caused solely by an accident.

What benefits do I get when I purchase Personal Accident Insurance?

The benefits include;

  1. Weekly payment – Pays a weekly income for the period you are out of work as a result of injury from an accident.
  2. Medical Expenses - Pays for medical expenses that arise from treating you after an accident including dental and optical expenses
  3. Emergency Evacuation – Covers emergency medical evacuation expenses.
  4. Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics
  5. Permanent Disability – in the event of permanent disability caused by an accident, the insurance pays for a pre-determined percentage of the insured amount or a pre-determined multiple of salary.
  6. Accidental Death – In the event that life is lost due to an accident, the insurance will pay the total insured amount or a pre-determined multiple of salary.

How long does PA insurance last?

PA is an annual cover. It must be renewed each year to remain valid.

How much does it cost?

For as little as Ksh500 per year you can access a basic PA insurance cover. However, if you are able to put in a larger amount the benefits will also increase.

Can we get Personal Accident insurance as a group?

Yes. The same product can be purchased by a group of people such as a family, employees, chamas, church, learning institutions, SMEs or any other group of people with common interest, it will then be referred to as Group Personal Accident Insurance.

I have a business, can I buy Personal Accident for my staff members?

Yes. This will be called Group Personal Accident as explained above. The company will pay premium on behalf of its staff members. In the event of an accident, the insurance pays the employer the benefits for onward transmission to the employee or their appointed beneficiaries.

If I have car insurance, am I covered as the driver?

No. Car insurance covers the car and the passengers. The driver is not covered. However, you can request for it to be included in your car insurance. There are insurance companies that sell a package with both car and personal accident.

Why do I need to indicate a beneficiary while filling in the forms?

In the event of loss of life following an accident, a beneficiary is a person who receives the payout from the insurance company. It is therefore necessary to nominate a beneficiary as you apply for Personal or Group Accident insurance.

If a child below 18 years is appointed, then a responsible guardian who will administer benefits upon sudden death should also be appointed. Choosing a beneficiary ensures that the benefits go to the right people.

Where can I get Personal Accident Insurance?

Talk to any insurance company in Kenya today

Insurance companies contacts


BizConnect is about conversations with businesses and in particular SMEs.

BizConnect is an initiative by AKI that aims to create a platform for insurance companies to have conversations with SMEs. Conversations about the entrepreneurial journey the challenges faced and solutions that insurance companies can provide to address some of these challenges.

The first BizConnect was held on 21 st April 2017 with over 70 SMEs from manufacturing, ICT, financial services, education, consulting and construction sectors attending.

The conversations at the first BizConnect led by three speakers, who are also SME owners, focused on addressing three challenges faced by SMEs. The topics included separating the business person from the business by Joram Mwinamo, Managing Director Wylde International; scaling up by Hellen Kimani, Director at Kevian Industries popular for pic &peel juices; hiring the right talent by Dorcas Wainaina, Executive Director, Institute of Human Resource Management. She’s also a Human Resource Consultant and founder of Midas Schools.

AKI will continue to engage businesses to better understand their needs.


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