Compare the best Car, Health and Life Insurance in Kenya.

Compare accurate and unbiased insurance offers from leading underwriters and apply online with our insurance comparison partner mTek.

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Welcome to Money254 - your simple way to compare financial products online.

At Money254, we're dedicated to helping you find the right loans and insurance products for your business or personal needs. We have partnered with mTek to make it easy to compare car, health and life insurance policies from 38 underwriters. Download the mTek app to compare and apply today.

Let's get started. What type of insurance are you looking for?

We've helped over 7,500 people find the right financial products

Money254 is your partner to help you make the right money decisions. Compare and apply for loans, savings and insurance products from leading providers online.

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"It was excellent. I am delighted that you are true partners."

Michael in Naivasha

KES 175,000 to stock up His lighting busines
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"Money254 Relationship Manager Madam Wangui was so wonderful from the time I inquired about loans. She did follow up and ensured I received the loan. Above all, she gave me the assurance and confidence that the partner was a genuine loan agency cause at first I was in doubts. I can't ask for more than what she did."

David in Nairobi

KES 350,000 to pay school fees
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"Thank you. It was EXTREMELY helpful."

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How it works

We help you find the right insurance product in under five minutes.


Download the mTek App

Download the mTek app today and complete the sign-up policy to compare a wider range of insurance policies from 38 underwriters.


Choose a Policy that works for you

Compare Policies on the details that matter to you across car, health, life, travel and more insurance categories.


Pay for the Policy directly from the App

Found a policy? Choose a payment plan and pay directly in App to activate your policy. Still not sure on the best option? Reach out to support in App to help answer any questions.

Why we have partnered with mTek

mTek is a leading insurance Broker regulated by the Insurance Regulatory Authority of Kenya. Their best-in-class experience makes understanding and applying for a wider range of insurance categories seamless and fast.

Get the mTek App and be ready to compare insurance whenever you need.

Compare quotes and apply for policies across car, health and life insurance from 38 leading underwriters.

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Top Insurance Tips

Understand Your Needs

Before diving into any insurance policy, it's crucial to assess and understand your unique needs. Whether it's for health, travel, car, or life, choosing a plan tailored to your situation ensures you're not overpaying for unnecessary coverage or under-protected when the unexpected happens.

Regularly Review Your Policy

Insurance isn't a "set it and forget it" product. As life changes—like buying a new car, traveling to new destinations, or expanding your family—it's wise to regularly review and adjust your policies to ensure they align with your current circumstances.

Know the Details

Every insurance policy comes with exclusions, limits, and conditions. It's essential to be familiar with these to avoid unpleasant surprises during a claim. Always read the fine print, and don't hesitate to ask questions to clarify any uncertainties.

Frequently Asked Questions about Insurance

General insurance topics can be hard to understand - let us help clarify things.

Why do I need Insurance?

Insurance is designed to protect you financially from unexpected events or accidents. It provides peace of mind, knowing that you're covered in case of unforeseen incidents, whether they involve your health, car, travels, or life events. Some insurance, like car insurance, is also mandatory if you are going to drive a vehicle.

What are some common types of insurance and what do they cover?

  • Car Insurance: Protects against financial losses due to accidents, theft, or damage to your vehicle. Coverage can include property damage, bodily injury, and liability depending on the type of coverage you have.
  • Health Insurance: Covers medical expenses related to illnesses, injuries, and preventive care. Depending on the plan, it might also cover prescription drugs, mental health services, and more.
  • Life Insurance: Provides a monetary benefit to beneficiaries upon the death of the insured. There are various types, including term life (for a specific period) and whole life (for the lifetime of the insured).
  • Travel Insurance: Covers unexpected events while traveling, such as medical emergencies, trip cancellations, or lost luggage.
  • Homeowners/Renters Insurance: Protects against damages to your home or personal property. This can include coverage for fires, theft, natural disasters, and personal liability.
  • Business Insurance: Designed to protect a business against potential losses and damages due to unforeseen circumstances, like property damage, liability claims, and employee-related risks.

What is an insurance broker?

An insurance broker is an independent professional or company that represents the interests of insurance buyers. Unlike insurance agents who represent specific insurance companies, brokers work on behalf of their clients to find the best coverage options and rates from multiple insurers. They can provide expert advice, help in understanding complex insurance terms, and assist during claims.

What is an Insurance Agent?

An insurance agent is a person authorized to sell and service insurance policies on behalf of specific insurance companies. Agents can be "captive" (representing only one insurer) or "independent" (representing multiple insurers). They guide customers through the process of purchasing insurance and can offer products from the companies they represent.

What is an Insurance Underwriter?

An insurance underwriter assesses the risk and exposures of potential clients. They decide how much coverage the client should receive, how much they should pay for it, and whether to even accept the risk and insure them. Common insurance underwriters in Kenya include Jubilee Insurance, Britam, UAP Old Mutual, CIC Group, and APA Insurance.

What is an Insurance Premium?

A premium is the amount you pay for your insurance policy. It can be paid monthly, quarterly, semi-annually, or annually, depending on the terms of your policy. The premium amount is determined based on various factors, including the type of coverage, the amount of coverage, and your risk profile.

What is insurance premium financing?

Insurance premium financing is a way for individuals or businesses to spread the cost of an insurance premium over multiple payments instead of paying the entire amount upfront. A third party, often a financial institution, pays the full premium to the insurance company on behalf of the policyholder. The policyholder then repays the premium finance company in installments over a set period.

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