MUA Insurance Kenya
Licence, offices, covers, claims and how to complain
MUA contacts in Kenya
- infoke@mua.co.ke
- Head office
- Lynwood Court, Westlands, Waiyaki Way, Nairobi
- Website
- mua.co.ke
As published by the company: MUA Kenya — Contact us: head office and branches (seen 23 October 2026); MUA Kenya — Make a claim: claims line, email and form; product menu (seen 23 October 2026). Tulinde is not MUA: it cannot answer for the company.
- Premium (KES million)
- 2,156.8
- Market share
- 0.95%
- Incurred claims ratio 2025 (%)
- 70.3%
Regulator's figures, 2025, as printed — see the table below for the source.
MUA covers and prices in Kenya
On this page · 8 sections
MUA company licensed in Kenya
| Company | Licensed as |
|---|---|
| MUA Insurance (Kenya) 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.
MUA Kenya head office, branches and claims contacts
From MUA's contact page (seen 23 October 2026):
| Office | Address | Contact |
|---|---|---|
| Head office | Lynwood Court, Westlands, Waiyaki Way, Nairobi (P.O. Box 30129-00100) | +254 732 178 000 / 200, +254 718 979 235 / 6, infoke@mua.co.ke |
| Nairobi Ecobank branch | Royal Ecobank Towers, Muindi Mbingu Street | +254 732 178 287 / 546 |
| Mombasa | Jubilee Arcade, ground floor, Moi Avenue | +254 732 178 501 / 502 / 503, ke-mombasa@mua.co.ke |
| Eldoret | The Eldoret Daima Towers, Eldoret-Nairobi Road | +254 732 178 535 / 536 / 537, ke-eldoret@mua.co.ke |
| Nakuru | Baraka Plaza, Kenyatta Road | +254 732 178 520 / 521 / 522, ke-nakuru@mua.co.ke |
| Thika | Thika Bazaar, 2nd floor | +254 732 178 500 / 570 / 572, ke-thika@mua.co.ke |
| Meru | Royal Business Park | +254 732 178 256 |
Claims: MUA's make a claim page gives +254 732 178 000 and ke-claims@mua.co.ke, with an online form for motor, domestic package, health and personal accident claims. Complaints: its customer care page asks you to email infoke@mua.co.ke with the nature of the complaint, the facts, the dates, the policy number, the policyholder's name and your contacts. If MUA does not settle it, IRA is the next step (toll-free 0800 724 499) — see how to complain about an insurer.
Buying through an agent or broker? Check that the intermediary is licensed in IRA's entities registry, and pay the premium to MUA, not to a personal number.
What MUA covers in Kenya
MUA Insurance (Kenya) Limited holds a general licence, so it sells short-term cover and no life, education or pension policies. The covers on MUA Kenya's website menu (seen 23 October 2026), with our guide to each. It reproduces MUA's menu; it is not a recommendation:
| Cover | What MUA lists | Our guide |
|---|---|---|
| Motor | Private vehicle, commercial vehicle, motorcycle: comprehensive, third party fire and theft, third party only | Third-party vs comprehensive |
| Medical | Tulizo Bora (individuals and families), corporate health | Health insurance in Kenya |
| Personal accident | Utulivu, group personal accident | Personal accident cover |
| Home and leisure | Domestic package, travel, golf | Home insurance |
| Business | Liability (public, product, employer's, professional indemnity, directors and officers), WIBA, fire, all risks, burglary, money, engineering, marine, aviation, bonds, political violence and terrorism | WIBA insurance |
The one personal price MUA publishes is Utulivu: KES 900 a year for KES 500,000 of accidental death cover, KES 1,680 for KES 1,000,000 (MUA's Utulivu page). For motor and Tulizo Bora, MUA gives no rate: the premium comes in a written quote. The Tulizo Bora benefit limits, waiting periods and the company's history are in our article MUA Insurance Kenya in full.
Medical cover is MUA's largest class in IRA's 2025 figures (KES 944.6 million, against KES 409.2 million of motor). For context, a peer-reviewed study by Kazungu and Barasa (2017) found health insurance in Kenya low and concentrated among wealthier and formally employed households. If a licensed insurer fails, the Policyholders Compensation Fund exists to protect its policyholders.
MUA in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Medical | Incurred claims ratio 2025 (%) |
|---|---|---|---|---|---|
| MUA Insurance Company | 2,156.8 | 0.95% | 409.2 | 944.6 | 70.3% |
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 MUA 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.
MUA in other African countries
| Country | Licensed companies |
|---|---|
| Uganda | MUA Insurance (U) Ltd |
| Tanzania | MUA Insurance (Tanzania) Limited; MUA Life Tanzania Limited |
| Rwanda | MUA Insurance Company Rwanda Ltd |
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 MUA. Brand names belong to their owners.
What would you like to do now?
Frequently asked questions
Is MUA licensed in Kenya?
Yes. 1 MUA company appears on the IRA Kenya list (notice dated 30 March 2026): MUA Insurance (Kenya) Limited.
How do I complain about MUA in Kenya?
Write to MUA 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 MUA 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).
What is MUA Insurance (Kenya) Limited?
The Kenyan general insurer of the Mauritius Union (MUA) group, formerly Phoenix of East Africa Assurance Company Ltd. It is on IRA's 2026 list of general insurers and sells motor, medical, personal accident, home, travel and business cover.
Where is MUA Insurance's office in Nairobi?
MUA's contact page gives its head office at Lynwood Court, Westlands, Waiyaki Way, Nairobi (P.O. Box 30129-00100), phone +254 732 178 000, email infoke@mua.co.ke, plus a branch at Royal Ecobank Towers, Muindi Mbingu Street.
How do I make a claim with MUA Insurance Kenya?
Call +254 732 178 000, email ke-claims@mua.co.ke or use the claim form on MUA's website. Once all documents are in, the Insurance Act (s.203) gives an insurer 90 days to settle.
Does MUA Insurance sell life insurance in Kenya?
No. MUA Insurance (Kenya) Limited is licensed as a general insurer only; for life or education cover you need a company on IRA's life list.
Sources
- Insurance Regulatory Authority of Kenya — Licensed Entities 2026
- MUA Kenya — Contact us: head office and branches (seen 23 October 2026)
- MUA Kenya — Make a claim: claims line, email and form; product menu (seen 23 October 2026)
- MUA Kenya — Customer care: handling of complaints (seen 23 October 2026)
- MUA Kenya — Utulivu personal accident cover: plan of benefits and premiums (seen 23 October 2026)
- MUA Kenya — About us: history from Phoenix of East Africa Assurance to MUA (seen 23 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)
- IRA Kenya — Licensed Entities registry: agents and brokers (Web Archive copy of 18 August 2026)
- Insurance Act, Cap. 487 (revised 2022), s.203 — Nairobi International Financial Centre Authority copy
- Policyholders Compensation Fund
- 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