Geminia Insurance in Kenya: licensed companies, regulator figures, claims and complaints
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 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.
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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).