Pioneer Insurance Kenya
Contacts, paybill numbers, products and claims
Pioneer contacts in Kenya
- Phone
- +254 20 7220000
- Head office
- Pioneer House, Moi Avenue, Nairobi
- Hours
- 8:00 to 17:00
- Website
- pioneerinsurance.co.ke
As published by the company: Pioneer Insurance Kenya — Contact us: head office and branch list (seen 28 October 2026). Tulinde is not Pioneer: it cannot answer for the company.
Pioneer Insurance Company
- Premium (KES million)
- 3,015.5
- Market share
- 1.33%
- Incurred claims ratio 2025 (%)
- 68.4%
- Complaints to IRA, Oct–Dec 2025
- 10
Pioneer Assurance Company
- Premium (KES million)
- 9,035.9
- Market share
- 3.84%
Regulator's figures, 2025, as printed — see the table below for the source.
On this page · 8 sections
Pioneer companies licensed in Kenya
| Company | Licensed as |
|---|---|
| Pioneer Assurance Company Limited | Long-term (life) insurers |
| Pioneer General Insurance 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.
Pioneer head office, branches and how to pay
From Pioneer's contact page (seen 28 October 2026): head office at Pioneer House, 3rd, 6th and 7th floors, Moi Avenue, P.O. Box 20333-00200 Nairobi; +254 (0) 20 7220000; info@pioneerinsurance.co.ke; 8:00 to 17:00. The page lists, besides the head office, a transformation office, a premier office, three Nairobi branches and offices in Thika, Kisii, Eldoret, Mombasa, Machakos, Kisumu, Bungoma, Embu, Homa Bay, Kericho, Kitale, Malindi, Nakuru, Nyeri and Voi.
| How to pay (Pioneer's page) | Details |
|---|---|
| M-PESA paybill — life | 100500, account = policy number or ID number (add "L" to the policy number for a policy loan repayment) |
| M-PESA paybill — general | 999415, account = vehicle registration number or KRA PIN |
| USSD | *887# — pay premiums and manage the policy |
| Online | portal.pioneerassurance.co.ke, by card or bank transfer |
Source: Pioneer payment options. Pay only to these channels or to a licensed intermediary — never to a personal number; check agents and brokers in IRA's entities registry.
What Pioneer sells, and how to claim
The products on Pioneer's website (seen 28 October 2026), with our guide to each. This reproduces Pioneer's menu; it is not a recommendation:
| Line | What Pioneer lists | Our guide |
|---|---|---|
| Life (Pioneer Assurance) | Heshima Mpango Poa, group funeral, group last expense (Heshima Plan), Imara Whole Life, term assurance, Ekeza, Mavuno, Jawabu, group credit | Cost of life insurance |
| Education | Pioneer Scholar, School Fees Plus | Education insurance |
| General (Pioneer General) | Driver Care, Family Care, Self Care, Intern Care, Home Care, Travel Care, Truck Care, EV Care, personal accident for seniors (above 66), personal liability, burglary, keyman, immigration bond, auctioneer's combined, Mjengo Care, professional indemnity for advocates, WIBA | Personal accident cover |
| Pensions | Retirement plan, individual pension plan, NSSF Tier II | Insurance relief and tax |
- Report the incident on +254 (0) 20 7220000 or through the client portal, with your policy number.
- Fill in the claim form on Pioneer's claims page — general, group life, individual life or pension — and attach the documents (invoices, photos, police abstract; death certificate and ID for life claims), up to 5 MB.
- Settlement once the claim is approved. Section 203 of the Insurance Act gives the insurer 90 days once all documents are in; if it is late, see how to complain.
Pioneer in Kenya: the regulator's figures (2025)
| Company | Premium (KES million) | Market share | Motor | Incurred claims ratio 2025 (%) | Complaints to IRA, Oct–Dec 2025 |
|---|---|---|---|---|---|
| Pioneer Insurance Company | 3,015.5 | 1.33% | 1,988.4 | 68.4% | 10 |
| Pioneer Assurance Company | 9,035.9 | 3.84% | — | — | — |
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.
Who leads Pioneer 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.
| Company | Role | Name | Source |
|---|---|---|---|
| Pioneer Assurance Company Limited | Managing Director - Pioneer Assurance | Emmanuel Opakasi | pioneerinsurance.co.ke, read 31 Oct 2026 |
| Group Managing Director & CEO | David K. Ronoh | pioneerinsurance.co.ke, read 31 Oct 2026 | |
| Group Chairman | Mr. John Mark Okondo | pioneerinsurance.co.ke, read 31 Oct 2026 | |
| Managing Director Pioneer General | Milcah Kinyua | pioneerinsurance.co.ke, read 31 Oct 2026 |
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 Pioneer 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 Pioneer. Brand names belong to their owners.
What would you like to do now?
Frequently asked questions
Is Pioneer licensed in Kenya?
Yes. 2 Pioneer companies appear on the IRA Kenya list (notice dated 30 March 2026): Pioneer Assurance Company Limited; Pioneer General Insurance Limited.
How do I complain about Pioneer in Kenya?
Write to Pioneer 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 Pioneer 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 the Pioneer Insurance paybill number?
Pioneer's payment page gives M-PESA paybill 100500 for life policies (account: policy or ID number) and 999415 for general insurance (account: vehicle registration or KRA PIN).
Is Pioneer Assurance the same as Pioneer General Insurance?
They are two companies of the same group, each licensed on its own by IRA: Pioneer Assurance Company Limited for life business and Pioneer General Insurance Limited for general business.
What is Pioneer Insurance's phone number?
+254 (0) 20 7220000, info@pioneerinsurance.co.ke; head office at Pioneer House, Moi Avenue, Nairobi.
Does Pioneer have a USSD code?
Yes, *887#, to pay premiums and manage a policy, according to Pioneer's payment page.
How do I make a claim with Pioneer?
Report the incident on +254 20 7220000 or the portal with your policy number, then submit the claim form for your type of cover with the supporting documents on Pioneer's claims page.
Who is the CEO of Pioneer in Kenya?
As named on the company's own pages read on 31 October 2026: Emmanuel Opakasi (Managing Director - Pioneer Assurance, Pioneer Assurance Company Limited); David K. Ronoh (Group Managing Director & CEO, Pioneer Assurance Company Limited); Milcah Kinyua (Managing Director Pioneer General, Pioneer Assurance Company Limited).
Sources
- Insurance Regulatory Authority of Kenya — Licensed Entities 2026
- Pioneer Insurance Kenya — official website: life, general and pension products (seen 28 October 2026)
- Pioneer Insurance Kenya — Contact us: head office and branch list (seen 28 October 2026)
- Pioneer Insurance Kenya — Payment options: M-PESA paybills, *887# (seen 28 October 2026)
- Pioneer Insurance Kenya — How to make a claim (seen 28 October 2026)
- IRA Kenya — Licensed Entities registry: agents and brokers (Web Archive copy of 18 August 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
- Pioneer Assurance Company Limited — leadership page
- Pioneer Assurance Company Limited — leadership page