Yes, motor insurance is compulsory. One would be contravening Chapter 405 of the Statute Laws and is liable to a fine or imprisonment.

We negotiate prices to get you the best value for your money. In case of a claim, we follow up on your behalf — from towing and vehicle repairs to dealing with the garage — saving you time, money and worry as we ensure we get you back on the road.

Yes, but it is subject to the terms and conditions of your cover.

No, motor insurance policies are not transferable to another person because they are personal in nature.

No, it is not. Using an Uber as a private car is a breach of contract. An Uber is taxed under the PSV vehicle class and can only use a PSV insurance sticker. If you use a private car as an Uber, your claim is not payable.

As a comprehensive car holder, if your car is involved in an accident you can get a courtesy car to use for around 10–30 days (dependent on your policy) while yours is in repair.

Yes. A broker liaises on your behalf with the insurer to get the best outcome for you. They assist you with filing a claim and following up until the claim is sorted and your life resumes to normal.

Report any loss or damage to VIVA 365 Insurance Brokers on 0709 159 000 or to the insurance company in time. Ensure that you submit all necessary documents requested. We will all co-operate to facilitate the smooth handling of your claim.

Failure to pay insurance premiums as stipulated in the policy amounts to a breach of policy terms and conditions and leads to the termination of the contract. This also means that you cannot make a claim.

Once your medical insurance is activated, you can start using the benefits immediately for services covered under your plan. It's essential to review the policy documents to understand any waiting periods or specific conditions that may apply.

Consider factors such as your health requirements, budget, preferred healthcare providers, and coverage options. Our experienced insurance advisors are here to assist you in making an informed decision and can provide personalised recommendations based on your unique circumstances.

Medical insurance provides financial protection against the high costs of healthcare. It ensures access to quality medical services without the burden of hefty expenses, and offers peace of mind in case of unexpected health issues or emergencies.

Pre-existing conditions include chronic illnesses, ongoing medical concerns, or any health condition for which you have previously received medical advice or treatment — for example, diabetes, hypertension, asthma, or cancer. Many of our insurance plans cover pre-existing conditions, but there may be waiting periods or specific terms that apply. Our team can guide you through the available options.

Contact our dedicated emergency helpline immediately. The contact information will be in your policy documents. Our team is ready to assist you 24/7, ensuring prompt support and guidance during critical situations.

The declared movable items are covered against loss, theft, or damage — so even when away from home you are covered.

The coverage becomes active as soon as the policy is in place.

Insurance provides a safety blanket in case of a risk. While no one can predict when something will happen to their home or belongings, knowing you are protected provides peace of mind.

The policy provides monetary payments in the event of bodily injury to the insured caused by violent, accidental, external, and visible means. Cover includes: Death, Permanent Total Disability (PTD), Hospital Cash, and Medical Expenses reimbursement.

Yes, but it is subject to the terms and conditions of your cover.

Aviation insurance covers both private and commercial aircraft against loss and damage while in motion, not in motion, or both. It pays for repairs and reinstatement of the aircraft to the condition it was in before the incident, subject to certain exclusions and policy conditions.

Yes. A broker liaises on your behalf with the insurer to get the best outcome for you. They assist with filing a claim and following up until the claim is resolved.

This policy covers declared stocks and business-related tools against burglary, fire and lightning, political violence, water damage following fire, riot, strike, and civil commotion. It can be extended to provide a Personal Accident cover for the entrepreneur and their family.

Yes, WIBA (Work Injury Benefits Act) is mandatory for all employers in Kenya under the WIBA Act of 2007.

Yes, but it is subject to the terms and conditions of your cover.

Insurance is a contract, represented by a policy, in which an individual or organisation receives financial protection or reimbursement against losses from an insurance company. The transfer of risk to insurers is done at a small price often referred to as a premium.

Only motor insurance is compulsory. One would be contravening Chapter 405 of the Statute Laws and is liable to a fine or imprisonment.

A broker has in-depth knowledge of risks, products, the insurance market, rates, and processes, and has diverse networks in the industry. You don't have to research different insurance companies and learn all the finer details — that's what a broker does for you.

If you have a life insurance policy and the company is closed down, your policy remains valid and you should continue paying premiums throughout the remaining term. Failure to do so leads to termination. You have the right to claim under the policy immediately when it matures.

Yes, upon prior notice to the insured. Grounds for cancellation include: non-payment of premium; discovery of fraud or material misrepresentation; physical changes making the property uninsurable; discovery of willful or reckless acts increasing the risk; or conviction of a crime arising from acts increasing the risk insured against.

• Do not admit liability — inform VIVA 365 immediately on 0709 159
• Take details of the other vehicle: registration, driver, and their insurer.
• Photograph the accident scene immediately.
• Report to the nearest police station immediately.
• Move to a safe place.

Report any loss or damage to VIVA 365 Insurance Brokers on 0709 159 000 or to the insurance company in time. Submit all necessary documents requested. We will co-operate to facilitate the smooth handling of your claim.