AAR Insurance in Kenya
Figures, claims and complaints
- Premium (KES million)
- 12,772.1
- Market share
- 5.62%
- Incurred claims ratio 2025 (%)
- 74%
- Complaints to IRA, Oct–Dec 2025
- 13
Regulator's figures, 2025, as printed — see the table below for the source.
AAR covers and prices in Kenya
On this page · 7 sections
AAR company licensed in Kenya
| Company | Licensed as |
|---|---|
| AAR Insurance (Kenya) Limited | General insurers |
Source: Insurance Regulatory Authority of Kenya, Licensed Entities 2026 (notice dated 30 March 2026). Names are reproduced as the regulator lists them. A licence is not a rating: it means the company may sell insurance in Kenya.
AAR in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Medical | Incurred claims ratio 2025 (%) | Complaints to IRA, Oct–Dec 2025 |
|---|---|---|---|---|---|---|
| AAR Insurance Kenya | 12,772.1 | 5.62% | 4 | 12,539 | 74% | 13 |
Source: IRA Kenya — Insurance Industry Release Q4 2025 (Appendices 7, 18, 22; complaints Figures 2–3). Compare with any other insurer: compare two insurers in Kenya · largest insurers.
Who leads AAR in Kenya
As named by the company itself (or by IRA Kenya), read on 31 October 2026. Leadership changes: the linked page is the reference.
| Company | Role | Name | Source |
|---|---|---|---|
| AAR Insurance Kenya Limited | CEO & Principal Officer | Justine Kosgei | aar-insurance.com, read 31 Oct 2026 |
| Chairperson | Esther Koimett, CBS | aar-insurance.com, read 31 Oct 2026 |
Everyone who leads insurance in Kenya — regulator, industry bodies, complaints bodies and the largest insurers: who's who in insurance in Kenya.
Before you buy from AAR in Kenya
- Check that the policy is issued by one of the companies above — the licensed entity, not only the brand.
- For motor cover, dial *352# or use verify.dmvic.com to check a motor certificate.
- Ask for the schedule and the exclusions in writing, and compare them with at least one other insurer.
- Keep in mind the claim rule that applies to every insurer: the insurer must settle within 90 days of the claim being reported once all documents are provided, or pay a 5% penalty (Insurance Act s.203).
- If something goes wrong, complain to the insurer, then to the Insurance Regulatory Authority (complaints@ira.go.ke, toll-free 0800 724 499).
The rules above come from our guides: check a cover, licensed insurers and how to complain.
AAR in other African countries
| Country | Licensed companies |
|---|---|
| Uganda | AAR General Insurance Uganda Ltd |
Companies that share a brand are separate legal entities, each licensed by its own country's regulator: a policy bought in one country is handled by that country's company.
Tulinde is independent and not affiliated with AAR. Brand names belong to their owners.
What would you like to do now?
Frequently asked questions
Is AAR licensed in Kenya?
Yes. 1 AAR company appears on the IRA Kenya list (notice dated 30 March 2026): AAR Insurance (Kenya) Limited.
How do I complain about AAR in Kenya?
Write to AAR first; if it does not settle, complain to the insurer, then to the Insurance Regulatory Authority (complaints@ira.go.ke, toll-free 0800 724 499).
How long does AAR have to pay a claim in Kenya?
The same rule applies to every insurer in Kenya: the insurer must settle within 90 days of the claim being reported once all documents are provided, or pay a 5% penalty (Insurance Act s.203).
Who is the CEO of AAR in Kenya?
As named on the company's own pages read on 31 October 2026: Justine Kosgei (CEO & Principal Officer, AAR Insurance Kenya Limited).