Insurance Made Simple: A Kenyan’s Guide to Choosing the Right Cover

Insurance shouldn’t be confusing. It should be a straightforward promise: if something goes wrong, you’re covered. At Nommaly Insurance we build products for everyday Kenyans clear, practical, and affordable. Whether you’re protecting your health, your car, your home, your business, or the future of your family, the right policy should give you confidence, not headaches. Here’s a friendly guide to help you choose the cover that fits your life.

Start by identifying the real risks you face. For many Kenyan households the most common financial shocks are medical bills, motor repairs after accidents, and sudden loss of income. For small businesses it’s equipment theft, fire, or interruptions to trade. List the things that would hurt you financially if they happened tomorrow. That helps rank what to protect first.

Next, match coverage to the size of the risk. A comprehensive health plan is invaluable if medical bills could wipe out savings. If your car is essential for work, motor comprehensive cover will often be worth the premium; if it’s a lower-value vehicle, third-party plus theft and fire can be an affordable middle ground. Home insurance can replace contents or structure after a fire or burglary and may include liability if a visitor is injured on your property. For business owners, consider contents insurance, public liability, and business interruption the last one can be a lifesaver if operations stop temporarily.

Budget matters but affordable doesn’t mean useless. Prioritise coverage for catastrophic losses first. A modest life or term policy can secure dependents and cover funeral or debt costs at a monthly price that fits most budgets. For health, an outpatient package or top-up cover avoids using savings for routine but frequent expenses. Think of insurance as a safety net: it doesn’t have to cover every small cost, but it should prevent disaster.

Understand the claims process before you buy. A fair, fast claims process is as important as the policy wording. Ask how to report claims, what documents are needed, and how long assessments and payments take. At Nommaly Insurance we emphasise fast claims support and clear communication no hidden steps, no jargon. Ask about local assessors and partner garages or hospitals too; local networks speed up repairs and approvals.

Watch for exclusions and deductibles. Exclusions list what’s not covered read them and ask questions until they make sense. Deductibles reduce premiums but increase your out-of-pocket cost at claim time; choose one you can afford if you need to pay it.

Bundles and discounts can improve value. Many customers save by bundling motor and home or combining life with health products. Bundles simplify management and often lower total premiums without reducing cover quality.

Finally, review your cover periodically. Life changes new jobs, growing families, home improvements, or business expansion mean cover should be updated. A yearly check keeps protection aligned with reality and avoids surprises when you need to claim.

Choosing insurance is about balancing protection and cost, not finding the cheapest policy. If you want a jargon-free review, our team at Nommaly will walk through your risks, prioritise what matters, and recommend affordable options. Message us or book a free review with our founder, Antony Wainaina, for clear, personal advice. Secure the future you want simply and confidently.