Amaco Insurance in Kenya
Licence, contacts, branches, products and claims
Amaco (Africa Merchant Assurance) contacts in Kenya
- Phone
- 020 220 4000, 0792 256 233, 0738 312 121
- Head office
- NextGen Mall, 4th floor, Nairobi
- Website
- amaco.co.ke
As published by the company: Africa Merchant Assurance (Amaco) — official website: about us, featured covers and contacts (seen 31 October 2026); Africa Merchant Assurance (Amaco) — Branches: head office and 26 branches (seen 31 October 2026). Tulinde is not Amaco (Africa Merchant Assurance): it cannot answer for the company.
On this page · 7 sections
Amaco (Africa Merchant Assurance) company licensed in Kenya
| Company | Licensed as |
|---|---|
| Africa Merchant Assurance Company 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.
Amaco head office, phone and branches
From Amaco's website and branches page (seen 31 October 2026): head office at NextGen Mall, 4th floor, Nairobi; phone 020 220 4000 (the number given for every branch); mobile 0792 256 233 and 0738 312 121; customercare@amaco.co.ke and info@amaco.co.ke; SMS short code 40033. It lists these branches:
| Area | Amaco branches |
|---|---|
| Nairobi | Transnational Plaza (Mama Ngina Street), EABS (Tom Mboya Street), Afya Centre (Tom Mboya Street), Eastleigh |
| Coast | Mombasa, Malindi, Voi |
| Rift Valley | Bomet, Eldoret, Kapsabet, Kericho, Kitale, Naivasha, Nakuru, Narok, Nyahururu |
| Western and Nyanza | Bungoma, Kakamega, Kisii, Kisumu, Migori |
| Central and Eastern | Embu, Meru, Nyeri, Thika |
What Amaco sells
The covers listed on Amaco's website (seen 31 October 2026), grouped by type. It reproduces Amaco's list; it is not a recommendation:
| Cover | What Amaco lists | Our guide |
|---|---|---|
| Motor | Motor vehicle insurance cover | Third-party vs comprehensive |
| Personal | Personal accident, student personal accident cover, travel insurance, domestic package | Personal accident cover, home insurance |
| Business property | Fire & perils, burglary, all risks, electronic equipment, money, contractors all risks, consequential loss | Business insurance |
| Liability and transit | Professional indemnity, public liability, product liability, goods in transit, marine insurance | PI, public liability and goods in transit |
| Staff | Work Injury Benefits Act (WIBA), group personal accident | WIBA insurance |
| Bonds | Bid bond (tender security), immigration bond, other bonds, fidelity guarantee | — |
Amaco does not publish premiums on these pages: ask for a written quote. Amaco is not licensed for medical insurance (class 12).
How to report a claim to Amaco
Amaco's claims page asks for a motor or goods in transit loss to be reported within 48 hours and not later than 7 days, by claim notification form, phone or e-mail, then the documents for the type of claim (for motor: the claim form, police abstract and policy schedule; for WIBA: the claim form, the injured person's ID, three months' payslips, medical receipts and the Labour department forms). The same page gives the 90-day limit of the Insurance Act for settlement once all documents are in (s.203).
IRA's quarterly release counted 15 complaints against Amaco from October to December 2025 (IRA Q4 2025); see complaints by company.
Before you buy from Amaco (Africa Merchant Assurance) 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.
Tulinde is independent and not affiliated with Amaco (Africa Merchant Assurance). Brand names belong to their owners.
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Frequently asked questions
Is Amaco (Africa Merchant Assurance) licensed in Kenya?
Yes. 1 Amaco (Africa Merchant Assurance) company appears on the IRA Kenya list (notice dated 30 March 2026): Africa Merchant Assurance Company Limited.
How do I complain about Amaco (Africa Merchant Assurance) in Kenya?
Write to Amaco (Africa Merchant Assurance) 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 Amaco (Africa Merchant Assurance) 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).
Is Amaco Insurance licensed in Kenya?
Yes. Africa Merchant Assurance Company Limited is on IRA Kenya's 2026 list of general insurers, for classes 02 to 11 and 14.
What is Amaco's phone number?
Amaco's website gives 020 220 4000 for its head office and branches, mobile 0792 256 233 and 0738 312 121, and customercare@amaco.co.ke.
Where is Amaco's head office?
NextGen Mall, 4th floor, Nairobi, according to Amaco's website.
Does Amaco sell medical insurance?
No. Its 2026 IRA licence does not include the medical class (12). It sells motor, personal accident, travel, domestic, business property, liability, marine, WIBA and bond covers.
How long does Amaco have to pay a claim?
The Insurance Act (s.203) gives any insurer 90 days once all the documents are in. Amaco asks for motor and goods in transit losses to be reported within 48 hours and not later than 7 days.
Sources
- Insurance Regulatory Authority of Kenya — Licensed Entities 2026
- Africa Merchant Assurance (Amaco) — official website: about us, featured covers and contacts (seen 31 October 2026)
- Africa Merchant Assurance (Amaco) — Branches: head office and 26 branches (seen 31 October 2026)
- Africa Merchant Assurance (Amaco) — product list of its website (product sitemap, seen 31 October 2026)
- Africa Merchant Assurance (Amaco) — Claims: procedures and claim forms (seen 31 October 2026)
- IRA Kenya — Insurance Industry Release Q4 2025: Appendices 7, 18 and 22, complaints Figures 2–3 (Web Archive copy of 18 August 2026)
- Insurance Act, Cap. 487 (revised 2022), s.203 — Nairobi International Financial Centre Authority copy
- IRA Kenya — Media statement: three insurers placed on statutory management, 11 March 2026 (Web Archive copy of 19 March 2026)