GA Insurance Kenya

GA Insurance companies licensed in Kenya

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.

Who GA Insurance is in Kenya

The two GA companies hold separate licences: GA Insurance Limited for general insurance (everything except life cover) and GA Life Assurance Limited for long-term business such as life and pension products. A claim or a complaint goes to the company that issued your policy.

On its own website, GA describes GA Insurance Limited as underwriting all classes of general and medical insurance, with its parentage from General Accident of the UK, incorporation as a Kenyan company in 1979 and acquisition in 2006 by the promoters of I&M Bank Group. This is the company's own account.

GA's contact page gives its head office as 4th Floor, GA Insurance House, Ralph Bunche Road, Nairobi (phone 0709 626 000, Monday to Friday 8:30am–5:15pm), branches in Westlands, Mombasa and Kisumu, and a 24-hour medical contact centre on 0709 626 400.

GA Insurance in Kenya: the regulator's figures (2025)

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.

What the regulator's figures say about GA, and what they do not

Tulinde publishes no ratings or customer reviews: none would be verifiable. What can be checked is what IRA prints for each insurer in its Q4 2025 industry release:

• Size: GA Insurance Company wrote KES 17,109.6 million of general premium in 2025, 7.53% of all general insurance premium; GA Life Assurance Company wrote KES 13,015.4 million of life premium (5.53% of the life market).
• Medical: KES 4,735.9 million of medical premium, with a medical incurred claims ratio of 87.0%, against 77.7% for all general insurers (Appendices 18 and 22).
• Claims ratio, all general classes: 73.8% — the share of the premium GA kept that went to claims in the year.
• Complaints: 7 complaints about GA Insurance reached IRA in October–December 2025, out of 524 for the whole industry.

These figures say how big GA is and how much of its premium went to claims. They do not say how fast GA pays, how many claims it declines or how its staff treat you: no official source publishes that by insurer. For context on who holds health insurance in Kenya at all, a peer-reviewed study by Kazungu and Barasa (2017) found coverage low and concentrated among wealthier households and formal-sector workers.

If a licensed insurer fails, the Policyholders Compensation Fund exists to protect its policyholders — one more reason to buy only from a company on IRA's list.

What GA Insurance sells in Kenya, class by class

The table groups the products listed on GA's Kenya website (seen 16 October 2026) by type of cover, with the GA company licensed for it and our guide to that cover. It reproduces GA's menu; it is not a recommendation:

GA publishes no price list for these covers on the pages we read: the premium comes in a written quote, based on your car, your family or your business.

How to make a claim with GA Insurance

GA's motor claims process asks you to report the loss immediately by email to motorclaims@gakenya.com or insure@gakenya.com. GA acknowledges each notification and gives you a claim reference number. Then:

1. Accident (own damage): send the motor accident claim form, a police abstract, a copy of the driver's licence and a repair estimate. GA may appoint an assessor; repairs are done at GA-approved garages or dealers, and you pay any excess before GA issues the release letter for the car.
2. Theft: send the motor theft claim form, the police abstract and a copy of the logbook. GA appoints an investigator, then makes a total loss offer less the theft excess; once you sign the discharge voucher, GA says it pays within 7 working days.
3. Other claims (home, fire, travel, personal accident, business): report to generalclaims@gakenya.com, as set out in GA's non-motor claims process.
4. Medical: call GA's 24-hour medical contact centre (0709 626 400, on its contact page).

Whatever GA's own timetable, the law sets a limit: once you have given all the documents, the insurer must settle within 90 days of the claim being reported, or pay a 5% penalty on the amount due (Insurance Act s.203). If a claim is delayed or declined, write to GA first, then take it to IRA — see how to complain about an insurer in Kenya.

Getting a GA Insurance quote and comparing it

You can ask GA directly through its quote page or its offices; its customer service charter says it attends to quote requests within 24 hours. If you buy through an agent or a broker, search their name in IRA's registry of licensed entities first.

Read every quote, from GA or anyone else, on the same points:

• Sum insured and limits: the most the policy pays, per claim and per year.
• Excess: what you pay yourself on each claim.
• Exclusions and, for medical cover, waiting periods before some benefits start.
• Hospitals or garages you can use, and how claims are paid.
• Premium and how and when you must pay it.

Then put the same cover side by side with other licensed insurers: ask several licensed insurers for quotes or compare GA with another insurer on IRA's figures.

Who leads GA Insurance 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.

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 GA Insurance in Kenya

1. Check that the policy is issued by one of the companies above — the licensed entity, not only the brand.
2. For motor cover, dial *352# or use verify.dmvic.com to check a motor certificate.
3. Ask for the schedule and the exclusions in writing, and compare them with at least one other insurer.
4. 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).
5. 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.

GA Insurance in other African countries

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.

Sources

1. Insurance Regulatory Authority of Kenya — Licensed Entities 2026
2. GA Insurance Kenya — official website: About GA Insurance (seen 16 October 2026)
3. GA Insurance Kenya — Contact us (seen 16 October 2026)
4. GA Insurance Kenya — Motor claims process (seen 16 October 2026)
5. GA Insurance Kenya — Non-motor claims process (seen 16 October 2026)
6. GA Insurance Kenya — Customer Service Charter (seen 16 October 2026)
7. GA Insurance Kenya — Get a quote (seen 16 October 2026)
8. IRA Kenya — Insurance Industry Release Q4 2025: Appendices 7, 18 and 22, complaints Figures 2–3 (Web Archive copy of 18 August 2026)
9. IRA Kenya — Licensed Entities registry: agents and brokers (Web Archive copy of 18 August 2026)
10. Insurance Act, Cap. 487 (revised 2022), s.203 — Nairobi International Financial Centre Authority copy
11. Policyholders Compensation Fund
12. Kazungu J.S., Barasa E.W. (2017), Examining levels, distribution and correlates of health insurance coverage in Kenya, Tropical Medicine & International Health — doi:10.1111/tmi.12912
13. GA Insurance Limited (Kenya) — leadership page