Terms of Service

MyBima is an insurance intermediary licensed by the Insurance Regulatory Authority (IRA) of Kenya. We compare and arrange policies on your behalf with our partner insurers; the insurance contract itself is between you and the insurer you select, not with MyBima.

Quotes shown on this site are indicative and based on the information you provide. Final premiums are confirmed by the insurer and may change based on underwriting, inspection, or additional disclosures required by law.

Premium payments made via M-Pesa, Airtel Money, or card are processed through the relevant payment provider and remitted to your chosen insurer. Keep your payment confirmation (M-Pesa message or receipt) as proof of payment.

While we vet our partner insurers for IRA licensing, we do not guarantee any insurer’s claim decisions, payout timelines, or service quality. Claims are assessed and settled by the insurer in line with your policy terms.

You agree not to use this site to submit false information, attempt to defraud an insurer, or interfere with the site’s normal operation.

To the extent permitted by Kenyan law, MyBima is not liable for indirect or consequential losses arising from your use of this site, except where such liability cannot be excluded by law.

These terms are governed by the laws of Kenya. Disputes are subject to the jurisdiction of Kenyan courts, without prejudice to any right to refer insurance disputes to the IRA or the Insurance Ombudsman.

We may update these terms from time to time. Continued use of the site after an update constitutes acceptance of the revised terms.