Griffin insurance company has launched an online app based car insurance for the Kenyan market.

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A mobile-based insurance app is threatening to drive brokers out of town.

The service allows clients seeking motor insurance to log onto a firm’s platform to apply, pay and get cover from anywhere and at any time.

Upon purchasing a policy, a client receives an electronic version of the policy document via the app.

The online car insurance app, the brainchild of tech firm Griffins, eliminates the need for brokers and salespeople who have been blamed for taking payments but not submitting them to insurers, exposing clients to risk.

Griffin Insurance Company founder Jihan Abass and her team of technology experts created the insurance app to ease the woes customers encounter in dealing with brokers.

“The current insurance process is like using a feature phone in the age of smartphones; why would anyone use an old phone when newer technologies are available,” asks Ms Jihan, a graduate of Oxford University.


The company offers two types of cover — comprehensive and the mandatory third party only insurance.

The online application gets rid of the traditional paperwork and offers digital insurance services on the go.

Griffin marketing manager Ummulkher Mohamed said their team is on call around the clock to help customers in an emergency using the latest technology to deliver fast rescue in real-time at the click of a button.

The insured will, at the click of a button, know the nearest police station, hospital, garage or security firm closer to the scene of accidents and seek the help they require.

For instance, when a motorist’s vehicle develops a puncture on a lonely or insecure road, one can request for security from the nearest patrol vehicle whose crew will stay with them until the problem is sorted.


Prospective clients will know the cost of their cover in seconds after uploading data onto the platform.

An assessor is then sent to the client to value the vehicle, validate it and issue an insurance sticker.

The platform enables clients to not only buy insurance policy but also other services.

“There is no need to call or drive to your insurance company and wait in line. From your app, you can do everything and so much more, including buying a policy, filing claims, finding a repair shop and requesting an ambulance. Everything is a click away,” said Ms Mohamed.

Clients will also be able to pay less for premiums with flexible cover tailored for their needs.

They will pick and adjust their period of insurance by choosing short-term or annual cover, depending on their needs. Customers are also able to pause their cover if they are not using the vehicle and reactivate it whenever they resume use.


Motorists will be able to downgrade their cover to only specific active benefits, excluding holiday and when a car is parked at home.

“You can save some money by paying your cover and only activating fire, theft and flood benefit, third party and accidental damage benefits, which will be put on pause because your car is not on the road, hence no risk,” said Ms Mohamed.

Drivers with less risk on the roads will pay less premium than those frequently on the road and, therefore, perceived to be more likely to be involved in accidents.

If a motorist sells a vehicle, they will have to cancel the policy via the app and return the insurance sticker to Griffin for a refund of part of their premium. However, this applies only to those who have not made any claim as at the time of cancellation and if the policy has not lasted for more than six months.

When a client cancels one’s policy through the app or the firm by issuing a 14-day notice, Griffin will refund the premium for the remaining period of insurance, based on applicable rates.

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TOP Trends in Car Insurance Market in Kenya

These new trends have revolutionised the car insurance market in the West and are set to disrupt the Kenyan market in the days to come

Car insurance is a mandatory requirement for all vehicles operating on Kenyan roads. It is also the biggest sector in the insurance market accounting for over 25% of the total premiums collected. With over 40 insurance companies in the market, the changing customer is looking for innovation from insurers to offer tailor made and attractive covers. The market has remained fairly stagnant with heavy losses and fraud biting hard on insurance company profitability.  With the advent of new international players in the local Kenyan insurance market like Allianz, Cigna and more, things are set to change for the better. In addition, the rise of Fintech start-ups brings online insurance like have started shifting the industry towards a more agile and customer centric business model. Here we example some of the most common car insurance trends that we can expect to see in the Kenyan market in the coming months and years.

Pay As You Go Car Insurance

In Kenya, the car insurance policy is an annual contract that one enters into without rebate. For some customers, this may not make financial sense for customers that for example are frequent travellers therefore leave their vehicles parked at home. Therefore many providers in the West offer pay as you go car insurance. With the use of telematics, the insurance company can calculate how much the customer is using the vehicle and charge accordingly.  One of the biggest providers of pay as you go car insurance is metromile in the USA, customers have saved thousands of dollars especially in urban areas with good public transport systems

Metromile car insurance savings
Metromile Car Insurance savings


This has been around for a while and continues to add value to customers in the market. Customers in the Kenyan car insurance market complain of the fact that they don’t enjoy any benefits from their car insurance policy apart from at the point of an accident. There is no reward for the safe drivers who don’t claim on their insurance policy. The Insurance Regulatory Authority (IRA) had introduced the No Claims Discount (NCD) system but it failed to take off because of the persistent price wars and undercutting from the insurance providers in the market. What is increasingly popular in the USA and Europe markets is cash back and benefits system. Among the list of benefits for well performing customers include

  • Vouchers for UBER
  • Insurance Premium refunds
  • Shopping discounts
  • Fuel discounts and vouchers
Discovery Car insurance
Discovery Car Insurance

This system has incentivised customers to take care while driving and has gamified the insurance cover. Customers are urged to drive well and avoid insurance claims in return for appealing rewards and bonuses. A great example of this system is the Discovery car insurance in South Africa which has taken the market by storm.

Peer to Peer Car Insurance

This is a new form of insurance, which is similar to self-insurance. Several high profile insurance start-ups have emerged in the West. The concept is for a customer to get together a group of friends/colleagues/relatives and form a small cluster of say 20. The vehicles in this pool are insured and depending on the performance of this, members can enjoy lower premiums, get back part of the premiums contributed at the end of the insurance period. This kind of peer to peer insurance has been tried in the United Kingdom with a popular start-up Guevara

RideShare Car Insurance

With the explosion of the sharing economy in the 21st century, consumers are moving more and more towards leasing every asset they use as opposed to outright ownership. Therefore, the market for leasing cars, motorcycles, bikes and scooters has exploded especially in West and in Asia. Services like car2go in Italy and scooter sharing bird have revolutionised urban transport. As a result, insurance companies have had to come up with innovative products for this market. Insurance is now offered per hire/ride meaning if the lessor encounters any mishaps, they can be re-imbursed. In addition, many customers have also taken out public liability insurance covers to protect themselves in case they are involved in an accident while operating a leased bike, scooter or car. Quite common also is the provider of these leasing services takes out an insurance cover on the asset for cover when the asset is in and out of use.


If you are looking to compare car insurance quotes from top providers in the Kenyan market, checkout the leading online insurance aggregator in Kenya, get a quote. Compare prices, benefits from multiple providers and also check out the customer reviews to find out what other customers are saying about their experiences.