We act as your expert intermediary, helping you compare quotes from top Kenyan insurers, managing your renewals, and fighting for your interests during claims.Direct insurers represent their own interests; Markov represents you. We compare the entire Kenyan market, translate the "fine print," and fight for your interests during claims—all at no extra cost.

Yes, we are fully licensed by the Insurance Regulatory Authority (IRA) and compliant with the Kenya Data Protection Act, ensuring your investment and data are secure.

An excess is the first portion of a loss you pay. We offer "Excess Protector" add-ons that ensure the insurance company pays 100% of the claim so you aren't out of pocket.

Claims in Kenya are often rejected for late reporting (after 24 hours), non-disclosure of medical history, or policy exclusions (e.g., expired driving license). As your advocate, we review rejections and negotiate with underwriters for fair settlements or escalate issues to the IRA.

Yes. Motor insurance allows 3 instalments interest-free. We also offer Insurance Premium Financing (IPF) through partner banks, allowing you to spread the cost over 4 to 10 months.

Rarely. Cheap policies often have hidden "sub-limits" that may leave you exposed. We help you find the best value—maximum protection for a fair price. We always make it clear during onboarding.

Generally, just a copy of your National ID, KRA PIN, and details of the item or person being insured. Most can be shared directly to via whats app or shared link.

Don't panic. You can change your agent or broker any time of the policy and appoint a new intermediary. For urgent claims and customer service your insurer will take up. Customer no loss due to closer of an intermediary.

We ensure we serve you ASAP. We respond to inquiries within 30 minutes. Get a quote in 10 minutes to 1 day:depending on the complexity of the cover and available data. Get a motor certificate in minutes, medical activation in 24 hours, and claims updates every 48 hours.

Your policy is protected by the Policyholders Compensation Fund (PCF), which compensates claims up to Ksh 250,000. Customers are immediately required to seek alternative insurance. We evaluate insurance companies and only choose financially stable insurers to reduce the risk of getting involved with collapsing companies.

TPO only covers the other person. Comprehensive protects your car against accident, theft, fire, and vandalism. In Nairobi’s traffic, Comprehensive is the smarter investment.Refer to our products page.

Standard comprehensive policies usually exclude riots. We highly recommend adding PVT cover to protect your vehicle during civil unrest or demonstrations esp. in Kenya.Refer to your policy document for coverage confirmation.

Do not admit liability. Ensure safety fast to avoid further loss.Take photos, get a police abstract, and notify your Insure or Markov via our Claims Centre or WhatsApp immediately. See our Claims centre for step by step claims process.

Yes. We offer add-on policies with a "Loss of Use" benefit, providing you a replacement car for up to 17 days so your life doesn't stop.

To avoid "Under-insurance." If your car is valued too low, the insurer will only pay a fraction of your claim. We provide Free Valuations through our partners.

Yes, most of our comprehensive plans include a free Windscreen and Radio/Mirror cover up to a certain limit without affecting your claims record.

Yes, we can issue up to 3-month temporary cover using the Sales Agreement while you finalise the NTSA transfer.

No standard motor insurance, both TPO and comprehensive, covers you and your family while you are driving. We have embedded personal accident cover for the driver and the family to cater to the risk.

Standard covers are for Kenya only. You will need a COMESA Yellow Card, which we can issue instantly for your cross-border trip. Check your policy document for geographical coverage confirmation.

No, the insurance certificate becomes invalid when the vehicle is sold. The new owner must obtain new insurance. You can cancel your policy and request a refund for any unused coverage.

Private insurance serves as complementary coverage to SHA's basic level of universal coverage. SHA offers basic care, while private insurance provides "Fast-Track" access to premium hospitals such as Nairobi Hospital and Aga Khan, along with specialized treatments that SHA may not cover.Members in private insurance should contribute to SHA.

Pre-existing conditions are illnesses you had before joining the cover. Chronic conditions are illnesses that do not have a known cure and require management, e.g., cancer. Both conditions are covered after a short "waiting period" (usually 1 year) .Onboarding for a critical illness cover and hospitalisation covers will ease the family burden in unfortunate events.

It’s a set time (e.g., 30 days for illness, 10 months for maternity, 24 months for organ transplant) you must wait before claiming. In some cases waiting periods are waived. eg. accidents claims, medical scheeme transfers.

Yes. While most plans stop at 65, we have access to specialised Senior Citizen covers for parents above 65 with exit age  and others with no exit time.Senior covers help the elderly with specialised services.

Inpatient is for hospital overnight stays (surgery, wards) ; Outpatient is for walk-in visits (consultations, lab tests, pharmacy).

Most policies include maternity after a 10-month wait. We ensure you choose a plan where the "sub-limit" actually covers the cost of a private hospital delivery.

Yes, but we recommend service from the panel providers for full reimbursement. See our claims center for the step-by-step claims process.

A small fee (e.g., Ksh 300-500) you pay at the hospital per visit. We offer "No Co-pay" plans for those who prefer 100% coverage.

These are usually "add-on" benefits. We recommend adding them if you have a family, as they cover glasses and routine checkups.

We offer "International Referral" plans that cover treatment in India, South Africa, or even Europe if the procedure cannot be done locally

While banks offer low fixed rates, a Kenyan MMF currently yields between 11% and 15% annually by pooling funds into short-term certificates and TBills, offering you higher returns with the same daily liquidity.

While all are UNIT TRUST FUNDS, MMF carry a less interest rate, shorter investment period and are more stable. Refer the Products Page for full details.

Yes. Unlike old school "insurance policies," modern education funds via Markov allow flexible M-Pesa deposits, and because they are earned on a compounding interest basis, your money grows faster than inflation.

NSSF provides a basic mandatory contribution for retirement with basic growth. Private Pension allows you to build a substantial income with higher investment returns, flexibility while you change employers  and tax reliefs and track of your saving on your client portal. 

Liquidity is a priority; most of our partner funds process withdrawals via M-Pesa or Bank transfer within 24 to 48 hours, making it an ideal emergency fund.

While not "guaranteed" like a bank deposit, these funds are strictly regulated by the Capital Markets Authority (CMA) and the Retirement Benefits Authority (RBA), with assets held by independent custodians (banks) for your safety.

In an MMF or Bond fund, your interest is calculated daily and credited monthly. This means next month, you earn interest on your original capital plus the previous month's interest, accelerating your wealth.

Yes. Under Kenyan law, you can assign a portion of your accumulated pension or investment fund as collateral for a mortgage or a policy loan to meet urgent financial needs.

We assess your goals and income to recommend suitable options: an MMF for high liquidity, a structured Education Policy or annuities for "Life Waiver," and the best investment and savings plan for long-term growth.

Yes. Our Micro-Health plans offer basic inpatient and outpatient limits at local mission or Tier 2 hospitals. These plans require no medical checkups and can be paid in small monthly installments.

Yes! Our Biashara Micro-cover protects your stock against fire, flash floods, and burglary. It’s designed for MSMEs in Nairobi who need high-level protection without the high-level price tag.

We understand that families need cash immediately. At Markov, we prioritize these claims, aiming for a 48-hour  payout once a burial permit or death notification is submitted.

It is a micro-insurance product that pays you a fixed daily amount (e.g., Ksh 2,000 - 5,000) for every night you spend in a hospital bed. This money is sent directly to your M-Pesa to replace lost daily income or pay for household bills while you recover.

If a client sues you for a mistake in a project advice, a "PI" policy pays for your legal defense fees and any court-ordered settlements, ensuring one bad contract doesn't bankrupt your business.

Yes. We issue embassy-approved travel certificates in under 10 minutes. Whether you are going for a business trip to Dubai or a holiday in Europe, your certificate is sent to your email immediately upon payment.

Unlike standard home insurance, "All Risks" protects your laptop, smartphone, or camera outside the house. If your phone is snatched in the CBD or damaged during travel, Markov has you covered.

Yes. We understand that tender deadlines are tight. We facilitate Bid Bonds and Performance Bonds with a 24-hour turnaround to help you secure that lucrative contract.

Absolutely. Every micro-policy issued by Markov is backed by a major Kenyan insurer and regulated by the IR.

Micro-insurance is capped at Ksh 500,000 by the IRA, making it perfect for supplemental or entry-level protection.