Geminia Insurance Kenya
Geminia Insurance Company Limited and Geminia Life — contacts, products and claims
Geminia contacts in Kenya
- Phone
- 020 278 2000, 0709 551 000
- info@geminia.co.ke
- Head office
- Le'Mac, 5th floor, Church Road, off Waiyaki Way, Westlands, Nairobi
- Website
- geminia.co.ke
As published by the company: Geminia Insurance — Contact us: head office and branches (seen 28 October 2026). Tulinde is not Geminia: it cannot answer for the company.
Geminia Insurance Company
- Premium (KES million)
- 5,023.9
- Market share
- 2.21%
- Incurred claims ratio 2025 (%)
- 86.2%
- Complaints to IRA, Oct–Dec 2025
- 7
Geminia Life Insurance Company
- Premium (KES million)
- 2,149
- Market share
- 0.91%
Regulator's figures, 2025, as printed — see the table below for the source.
On this page · 8 sections
Geminia companies licensed in Kenya
| Company | Licensed as |
|---|---|
| Geminia Life Insurance Company Limited | Long-term (life) insurers |
| Geminia 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.
Geminia head office, branches and paybill
From Geminia's contact page (seen 28 October 2026):
| Office | Address | Contact |
|---|---|---|
| Head office | Le'Mac, 5th floor, Church Road, off Waiyaki Way, Westlands, Nairobi (P.O. Box 61316-00200) | 020 278 2000 / 0709 551 000, info@geminia.co.ke |
| Nairobi CBD | Agip House, ground floor, Haile Selassie Avenue | 020 278 2202 |
| Mombasa | Diamond Trust Arcade, Moi Avenue | 020 278 2300, mombasa@geminia.co.ke |
| Eldoret | Rupa's Mall, 2nd floor, Eldoret-Nairobi Road | 020 278 2400, eldoret@geminia.co.ke |
| Nakuru | Westside Mall, 3rd floor, Kenyatta Avenue | 020 278 2420, nakuru@geminia.co.ke |
Premiums can be paid by M-PESA paybill 553201 (Geminia). Geminia Life has its own office at Geminia Insurance Plaza, 4th floor, Kilimanjaro Road, Upper Hill (phone 0709 551 150, life@geminialife.co.ke), according to its website.
What Geminia sells: general and life
The products on Geminia's two websites (seen 28 October 2026), grouped by type. It reproduces their menus; it is not a recommendation:
| Cover | What Geminia lists | Company | Our guide |
|---|---|---|---|
| Motor | Motor (private), Motor Commercial | Geminia Insurance | Third-party vs comprehensive |
| Home and personal | Home Pack, Personal Accident, Travel, Golf | Geminia Insurance | Home insurance, personal accident |
| Business | WIBA, public liability, professional indemnity, directors and officers, fidelity, money, bonds, contractor's all risk, machinery breakdown, political violence and terrorism, SME insurance | Geminia Insurance | WIBA insurance |
| Agriculture and property | Crop, livestock, greenhouse, farm protector, dogs and pets, burglary, marine cargo and hull, plate glass, stock floater, drones | Geminia Insurance | — |
| Life and savings | Edmaster education cover, endowment plans, last expense, whole life, term life, credit life, group life, mortgage protection | Geminia Life | Life insurance, education insurance, last expense |
| Pensions | Umbrella retirement scheme, occupational schemes, personal pension plan | Geminia Life | — |
Geminia Insurance is not authorised for the medical class (class 12) in IRA's 2026 notice, so it does not sell medical cover: see health insurance in Kenya for insurers that do. Neither website publishes a price list; the premium comes in a written quote.
How to claim with Geminia
Geminia's downloads page carries 23 claim forms and certificates, among them the motor accident report form, the motor vehicle theft claim form, the windscreen claim form, the personal accident claim form, the WIBA claim form and the property damage loss form. Fill in the form for your class of cover, attach the documents it asks for, and send it to the office that issued the policy.
Once all documents are in, the law gives any insurer 90 days to settle, or a 5% penalty is due (Insurance Act s.203). In IRA's figures for October–December 2025, 7 complaints about Geminia Insurance reached the regulator, out of 524 for the industry (IRA). If a claim stalls, see how to complain about an insurer.
Geminia in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Incurred claims ratio 2025 (%) | Complaints to IRA, Oct–Dec 2025 |
|---|---|---|---|---|---|
| Geminia Insurance Company | 5,023.9 | 2.21% | 2,176 | 86.2% | 7 |
| Geminia Life Insurance Company | 2,149 | 0.91% | — | — | — |
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 Geminia 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 Geminia. Brand names belong to their owners.
What would you like to do now?
Frequently asked questions
Is Geminia licensed in Kenya?
Yes. 2 Geminia companies appear on the IRA Kenya list (notice dated 30 March 2026): Geminia Life Insurance Company Limited; Geminia Insurance Company Limited.
How do I complain about Geminia in Kenya?
Write to Geminia 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 Geminia 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 Geminia Insurance licensed in Kenya?
Yes. Geminia Insurance Company Limited is on IRA's 2026 list of general insurers, and Geminia Life Insurance Company Limited on the life list. They are separate companies.
Where is Geminia Insurance's head office?
Le'Mac, 5th floor, Church Road, off Waiyaki Way, Westlands, Nairobi; phone 020 278 2000 or 0709 551 000, email info@geminia.co.ke, according to Geminia's contact page.
What is Geminia's paybill number?
M-PESA paybill 553201, as shown on Geminia Insurance's website (seen 28 October 2026).
Does Geminia sell medical insurance?
Geminia Insurance is not authorised for the medical class in IRA's 2026 notice. It sells motor, home, personal accident, travel, business and agricultural cover; Geminia Life sells life, education and pension products.
Sources
- Insurance Regulatory Authority of Kenya — Licensed Entities 2026
- Geminia Insurance — official website: products and head office (seen 28 October 2026)
- Geminia Insurance — Contact us: head office and branches (seen 28 October 2026)
- Geminia Insurance — Downloads: claim and proposal forms (seen 28 October 2026)
- Geminia Life Insurance — official website: products and head office (seen 28 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