Heritage Insurance Kenya
Contacts, branches, products and claims
Heritage contacts in Kenya
- Phone
- 020 278 3000, 0711 039 000, 0734 101 000
- 0768 661 492
- info@heritage.co.ke
- Medical call centre (24/7)
- 0711 076 333
- Head office
- Liberty House, Processional Way, Nairobi
- Website
- liberty.co.ke
As published by the company: Liberty Life & Heritage Insurance — Contact us: head office, branches, claims and medical lines (seen 28 October 2026). Tulinde is not Heritage: it cannot answer for the company.
- Premium (KES million)
- 8,693.3
- Market share
- 3.83%
- Incurred claims ratio 2025 (%)
- 63.4%
Regulator's figures, 2025, as printed — see the table below for the source.
On this page · 8 sections
Heritage company licensed in Kenya
| Company | Licensed as |
|---|---|
| The Heritage 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.
Heritage head office, branches and claims lines
From the Liberty Life & Heritage contact page (seen 28 October 2026):
| Line | Contact |
|---|---|
| Head office | Liberty House, Processional Way, Nairobi (P.O. Box 30364-00100); Heritage 020 278 3000, 0711 039 000, 0734 101 000; info@heritage.co.ke |
| Medical call centre (24/7) | 0711 076 333; WhatsApp 0768 661 492; care@heritage.co.ke |
| Retail medical | 0741 403 221, retailmedical@heritage.co.ke |
| Nairobi town office | Lonrho House, Mezzanine 2, Standard Street |
Heritage branches listed on the same page: Embu, Nakuru, Kisii, Thika, Eldoret, Meru, Mombasa, Naivasha, Nanyuki and Kisumu, plus the Nairobi town office. Claim forms and steps are on the claims and support page.
What Heritage sells
Products shown for Heritage on the Liberty Kenya website (seen 28 October 2026), with our guides — not a recommendation:
| Cover | What is listed | Our guide |
|---|---|---|
| Medical | HeriAfya medical cover, HeriAfya Seniors, HeriAfya Juniors (institutions), Heritage Blue for multinationals, Heritage Flexi for corporates | Health insurance in Kenya |
| Motor | Motor insurance, commercial motor insurance | Third-party vs comprehensive |
| Home | Domestic package | Home insurance |
| Travel | Travel cover, sold through an online travel portal | Travel insurance |
Life, education and pension products on the same website belong to Liberty Life Assurance Kenya, a separate licensed life insurer — see Liberty in Kenya. Once all documents are in, any insurer must settle a claim within 90 days (Insurance Act s.203).
Heritage in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Medical | Incurred claims ratio 2025 (%) |
|---|---|---|---|---|---|
| The Heritage Insurance Company | 8,693.3 | 3.83% | 2,020.1 | 3,615.9 | 63.4% |
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 Heritage 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.
Heritage in other African countries
| Country | Licensed companies |
|---|---|
| Tanzania | The Heritage Insurance Tanzania Limited |
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.
Tulinde is independent and not affiliated with Heritage. Brand names belong to their owners.
What would you like to do now?
Frequently asked questions
Is Heritage licensed in Kenya?
Yes. 1 Heritage company appears on the IRA Kenya list (notice dated 30 March 2026): The Heritage Insurance Company Limited.
How do I complain about Heritage in Kenya?
Write to Heritage 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 Heritage 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 Heritage Insurance licensed in Kenya?
Yes. The Heritage Insurance Company Limited is on IRA's 2026 list of general insurers.
Is Heritage Insurance part of Liberty?
They share a website (liberty.co.ke), a head office at Liberty House, Processional Way, and several branches. Heritage is the general insurer; Liberty Life Assurance Kenya is a separate life insurer.
What is Heritage's medical call centre number?
0711 076 333, open 24/7, with WhatsApp 0768 661 492 and care@heritage.co.ke, according to the Liberty Life & Heritage contact page.
Does Heritage sell motor insurance?
Yes: private and commercial motor cover. Check any certificate on DMVIC (*352# or verify.dmvic.com) the day it is issued.
Sources
- Insurance Regulatory Authority of Kenya — Licensed Entities 2026
- Liberty Life & Heritage Insurance — Contact us: head office, branches, claims and medical lines (seen 28 October 2026)
- Liberty Kenya website (heritageinsurance.co.ke redirects here): Heritage products (seen 28 October 2026)
- Liberty Life & Heritage Insurance — Claims and support (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