An accident is any sudden, unintended and unforeseen external and visible event, which might cause bodily harm or leads to a physical disability or death.

  • Driving license
  • Police Abstract
  • Completed claim form

If a loss occurs you are required to notify us within 24 hours of occurrence.
Notification can be made via the telephone, email or a letter

Take photos of the damaged windscreen and  capture the number plates

On average, General Insurance claims 7 working days to settle.
This duration is dependent on timely and proper documentation and, availability of repair materials for motor claims.

On return of the motor cover certificate, your policy will be cancelled, and you will receive a refund on your premium if you had not made a claim.


The Yellow Card Extension is an independent insurance cover that automatically provides you with a minimum cover while you're visiting a foreign country.

Third Party death or bodily injury provides cover for passengers in the car for legal liability due to you.

KES. 3,000,000 is the maximum limit under the cover and does not limit court awards.


The amount of premium you are meant to pay depends on the choice of cover made, cover limits, and the number of individuals to be covered.

The premium you are meant to pay will be calculated on prorate basis for the new additional members.

It's quite easy really. Just ask any of our approved medical providers with the SMART System, to check their SMART balance right there.

In case your name is misspelled on the SMART card, you should return the affected card to us indicating the correct names/details as preferred and we'll issue you a new card with the right details.

Your medical services provider should immediately contact SMART application for assistance.