Frequently Asked Questions

No. We're an independent agency and compare cover across 29 vetted underwriting partners, so our advice is based on what fits you — not a single provider.

Choose whichever channel suits you — WhatsApp, our web portal, or USSD (*123#). Policies are issued digitally, often in minutes.

Yes. Premiums can be paid via M-Pesa STK push, so cover starts instantly with nothing to reconcile manually.

You call your advisor and we manage the claim with your underwriter end-to-end, keeping you updated until it's resolved.

Yes. We are a licensed insurance agency in Kenya, registered under the Insurance Regulatory Authority (IRA), Kenya — License No. 33184.

You can request a quote online through our client portal, WhatsApp us, call us, or visit any of our branches. There's no obligation, and our advisors will compare options from trusted underwriters to find you the best fit.

Yes. You can request a quote and purchase a policy entirely online — via our client portal, WhatsApp, or USSD. Cover is issued digitally, often the same day.

Inquiries submitted through the contact form or WhatsApp are answered within 24 hours on working days. For anything urgent, calling a branch directly is fastest.

We offer personal and business cover including motor, medical & health, life, travel, home & property, personal accident, marine, aviation, engineering, and various liability policies. Browse the full index under Products.

We have branches in Nairobi, Athi River, Kitui. Visit the Contact page for addresses, phones, and operating hours.

Every plan includes the core features you need to get started. By reading more on our app, you'll understand your plan better — or ask your advisor to walk you through exactly what's covered.

Yes. If your circumstances change, talk to your advisor — we can adjust your cover, add benefits, or move you to a plan that better fits your needs and budget.

Refund eligibility depends on the insurer's policy and when you cancel — you may be entitled to a pro-rata refund of the unused premium. Your advisor will confirm what applies to your specific policy.

We work with 29 vetted underwriting partners, including Takaful Insurance of Africa, Gateway Insurance, Cannon Assurance, AIG, Mayfair Insurance, Tausi Assurance Company, AMACO Insurance, Pioneer Insurance, Sanlam, Fidelity Insurance, Geminia Insurance, Kenindia Assurance, ICEA LION Group, The Monarch Insurance Company, GA Insurance, Occidental Insurance, AAR Insurance, APA Insurance, Britam, Definite Assurance Company, Kenya Orient Insurance, Pacis Insurance, Madison Insurance, DirectLine Assurance, Old Mutual, CIC Group, Intra Africa Assurance, Kenyan Alliance, Heritage Insurance Company. This lets us compare options so you get the best fit and price.

There's no fee for our advice or quotations — you only pay the premium for the cover you choose. We'll always show you the exact premium before you commit.

We keep our clients covered with personal service, fast claims handling, and honest advice. Ask your advisor about any loyalty benefits or special offers available through our underwriters.

Browse our website, follow us on social media, or visit a branch — we're happy to share our profile, our partners, and how we work before you decide on anything.

We value your views. You can share feedback through the contact form, by calling or WhatsApping a branch, or by talking to your advisor — it helps us serve you and every other client better.

Your digital policy document shows your cover dates, sum insured, and status. You can also verify cover directly with the issuing underwriter or ask your advisor to confirm it's active.

Generally a valid National ID or passport, KRA PIN, and the details relevant to what you're insuring (e.g., logbook for a car, documents for travel). Your advisor will tell you exactly what's needed for your cover.

Every claim needs a completed claim form and the supporting documents for that cover — e.g., police abstract, photos, receipts, and IDs. See the Claims page for the full list, and your advisor guides you through it.

Yes — you're on it. Visit cushinsurance.co.ke to browse products, get quotes, and find branches. You can also use our client portal, WhatsApp, or USSD (*123#).

Call us on 0728 974 447, WhatsApp us, use the contact form, or visit any branch. We're available 8:00 AM - 5:00 PM on working days.

Of course. Cush Insurance Agency is a licensed agency under the Insurance Regulatory Authority (IRA), Kenya — License No. ${companyInfo.iraNumber}. Visit the About page to learn more about who we are and how we work.

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