Jubilee car insurance in Kenya

What happened to Jubilee's car insurance

Jubilee's motor policies in Kenya were issued by its general insurance company, not by the Jubilee companies that sell health and life cover today. That company changed hands in two steps, each stated by the companies themselves:

• May 2021: Allianz announced it had completed the purchase of a 66% stake in Jubilee General Insurance Limited, Jubilee Holdings keeping 34%; the company was to operate as "Jubilee Allianz General Insurance Limited" (Allianz press release).
• 1 November 2025: Sanlam Allianz says that "Jubilee Allianz General Insurance (K) Limited and Sanlam General Insurance Limited were merged to form Sanlam Allianz General Insurance (Kenya) Limited" (SanlamAllianz Kenya, Who we are).

The regulator's list agrees: IRA's 2026 list of licensed entities names Sanlam Allianz General Insurance (Kenya) Limited among the general insurers, and no Jubilee general insurer. The only Jubilee company in the general list is Jubilee Health Insurance, which writes medical cover. Jubilee's own Kenya website (seen October 2026) offers life, pension, health and asset management products, and no motor cover.

What the motor cover includes (Sanlam Allianz's own page)

Sanlam Allianz's motor personal lines page says its motor insurance covers "accidental loss or damage to the insured motor vehicle, death or bodily injury to the vehicle crew and third parties as well as loss or damage to property of third parties". What it lists, as published (seen October 2026):

The same page shows a second, higher-limit table it calls "Premia": emergency medical expenses KES 200,000, repair authority KES 100,000, windscreen and car entertainment KES 100,000 each, third-party property damage KES 30,000,000, loss of use at KES 5,000 a day for up to 30 days, and a personal accident benefit of KES 1,000,000 for accidental death. The page does not give the price of either level — ask which one your quote is for.

This is comprehensive cover. If you only want the legal minimum, read our third-party vs comprehensive guide first.

The excesses you pay on a claim

The excess is the part of each claim you pay yourself. Sanlam Allianz's page lists:

• Own damage: 2.5% of the sum insured, at least KES 20,000 and at most KES 100,000.
• Theft, with an anti-theft device: 10% of the value, at least KES 20,000.
• Theft, without an anti-theft device: 20% of the value, at least KES 20,000.
• Theft, with a tracking device or fleet management system: 2.5% of the value, at least KES 20,000.
• Third-party property damage: KES 7,500.
• Young or inexperienced driver (under 21, or licensed under a year): an extra KES 5,000.

So on a car stolen without an anti-theft device, a fifth of its value stays with you. A tracker cuts that share to 2.5%, according to the page — worth weighing against the cost of fitting one.

Optional extras and their published prices

Unlike the cover itself, some extras carry a price on the page:

• 24-hour road rescue by the Automobile Association of Kenya: KES 3,000 a year.
• Infama road rescue membership: KES 6,960 a year.
• Excess protector: 0.25%, minimum KES 3,000, on accidental own damage.
• Political violence and terrorism: 0.25%, minimum KES 2,000.

The page does not say what the 0.25% is applied to; ask for each extra as a separate line on the written quote, in shillings.

If you already hold a Jubilee motor policy

Since the merger, the company that issued Jubilee Allianz motor policies is part of Sanlam Allianz General Insurance (Kenya) Limited. For a claim or a renewal, contact Sanlam Allianz, not the Jubilee health or life companies — its motor page links to its online renewal and claim forms.

• Check your certificate: the insurer it shows must match the policy, and its status can be checked on DMVIC — see our motor certificate check guide.
• At renewal, ask for the new schedule in writing: the limits, the excesses and the extras may not be those of your old Jubilee Allianz policy.
• Compare before renewing: Sanlam Allianz's figures with the regulator are on its profile.

How to buy the cover that replaced Jubilee motor insurance

1. Have the car's details ready: its current value (the sum insured), its use — private or commercial — and your claims history.
2. Ask Sanlam Allianz for a quote through its online motor portal or its "Request a Quote" form, or through a licensed agent or broker.
3. Get it in writing: the premium, which limit table applies, each excess and each extra in shillings.
4. Book the free valuation and inspection the page offers, so the sum insured is right.
5. Check the certificate once issued, before you drive.

Whether the excess protector is worth its premium for your car is worked out in our excess protector article. To set Sanlam Allianz's quote against other licensed insurers for the same car and the same cover, ask for quotes here.

Sources

1. SanlamAllianz Kenya — General insurance, Who we are: merger of Jubilee Allianz General Insurance (K) and Sanlam General Insurance on 1 November 2025 (insurer's own page, seen October 2026)
2. SanlamAllianz Kenya — Motor personal lines products: cover, benefit limits, optional benefits, limits of liability and excesses (insurer's own page, seen October 2026)
3. Allianz SE — Allianz completes acquisition of majority stake in Jubilee General Insurance, Kenya (press release, 4 May 2021)
4. IRA Kenya — Licensed Entities 2026 (notice under section 184 of the Insurance Act, dated 30 March 2026)