Fidelity Shield Insurance in Kenya: licensed companies, regulator figures, claims and complaints
Fidelity Shield company licensed in Kenya
| Company | Licensed as |
|---|---|
| Fidelity Shield Insurance 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.
Fidelity Shield in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Medical | Incurred claims ratio 2025 (%) |
|---|---|---|---|---|---|
| Fidelity Shield Insurance | 5,013.8 | 2.21% | 2,703.5 | 313.8 | 77% |
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.
Before you buy from Fidelity Shield 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 Fidelity Shield. Brand names belong to their owners.
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Frequently asked questions
Is Fidelity Shield licensed in Kenya?
Yes. 1 Fidelity Shield company appears on the IRA Kenya list (notice dated 30 March 2026): Fidelity Shield Insurance Company Limited.
How do I complain about Fidelity Shield in Kenya?
Write to Fidelity Shield 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 Fidelity Shield 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).