How to Buy Insurance Online – Kenya’s 1st Insurance Mall
18 Jul, 2026
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Nairobi, Kenya
Eden Plaza, Kasarani
How to Buy Insurance Online – Kenya’s 1st Insurance Mall
How to Buy Insurance Online in Kenya - Kenya's 1st Insurance Mall
You can now buy insurance online in Kenya the same way you shop for anything else. Compare real quotes from over 15 insurers, pay via M-PESA, and get covered in minutes at [portal.bowman.co.ke]. No endless phone calls. No jargon. No “we’ll send the quotation shortly.”
We built the Insurance Mall because we watched you struggle with the old routine for years. It usually starts with a deadline: your insurance sticker expires in three days. You call one insurer, then another. One line is busy. One agent starts throwing around words like endorsements and excess protector, and you nod along on the phone as if any of it makes sense. By evening you have two PDFs, one WhatsApp voice note, and no real way to compare them. So you pick the cheapest and hope for the best.
That routine belongs in the past.
Why should buying insurance be harder than shopping online?
Think about how you buy everything else. You don’t visit five supermarkets to buy bread, milk, sugar and cooking oil. Everything sits on one shelf, clearly priced. You compare, you choose, you pay, you leave happy.
That’s exactly how the Mall works. One platform with over 146 covers from Kenya’s leading insurers — Jubilee, CIC, Old Mutual, Sanlam Allianz, AAR, Pioneer, Kenindia and more — laid out side by side.
Here’s what makes this different: we’re your agent, not an insurer. We have no reason to push you toward any one company, because there is no single “best” insurance company — only the best cover for you. A PSV owner on the Rongai route needs completely different protection from someone driving to Kilimani and back. A boda boda rider’s risks look nothing like a corporate fleet’s. Our only job is helping you find the fit.
How to buy insurance online in 4 steps
1. Create your free account
Log in or create an account at [portal.bowman.co.ke] — it works on your phone or desktop.
2. Find your cover.
Ready to buy? Go straight to the [Shop] If you’ve already made up your mind, this is your fastest route from decision to cover.
- Still browsing? Open [Products] to see all 146 covers and filter by type — motor, medical, personal accident or business — until the right one stands out.
- Want a price first? Use [Get a Quote] and follow a simple step-by-step process for the cover you want.
- Loyal to a company? Visit [Insurance Companies] to browse all 15 insurers, their products, contacts and customer reviews.
3. Compare and choose.
If you want to compare multiple companies, go to the quote page, select the cover type you want and provide the details needed depending on the insurance type you want. Once you get the quote, click compare with different insurers to get multiple quotes from other companies and you can proceed to checkout or save quote to but the cover later.
4. Pay and get covered.
Pay securely via M-PESA or card and receive your policy documents digitally, often in less than 5 minutes for companies with instant label for other companies you will get your cover within an hour.
You can also visit the wallet page and pay for you lipa pole pole for your policies before they expire to avoid last minute inconveniences.
That’s all it takes to buy insurance online. What used to take three days of phone calls now takes less time than a matatu ride between two stages.
Know exactly where to click
Comprehensive or third party? Choose with your eyes open
Here’s where most Kenyan drivers get caught out.
Third party insurance is the legal minimum. If you cause an accident, it covers the other person’s car, property or injuries. Your own vehicle? Not covered. Comprehensive car insurance covers the other party and your own car — accident damage, theft and fire, with optional extras like windscreen cover.
Neither is automatically right. A 15-year-old car worth KES 300,000 and a two-year-old SUV on a bank loan call for very different decisions. On the Mall, you see both options priced side by side — for private cars, commercial vehicles, PSVs, Uber, school buses, lorries, pick-ups and boda bodas — so you decide, not the fastest-talking agent.
Buy medical insurance online: cover for the people who matter most
Ask anyone who has spent a night in a hospital waiting room negotiating a bill: medical cover is not a luxury. It’s the difference between focusing on a loved one’s recovery and starting a WhatsApp fundraising group.
On the Mall, you can compare medical insurance for yourself, your family or your team — inpatient and outpatient benefits, maternity, and cover for the kids — with the details that matter compared clearly before you commit a shilling.
And while you’re at it, look at personal accident cover. Many motorists assume comprehensive insurance protects everyone inside the vehicle. It doesn’t — it protects the car. Personal accident cover is what protects the people, and it’s one of the most affordable policies on the market.
Running a business? One bad night can undo ten years of 5 a.m. starts. You’ll find business insurance on the Mall too — cover for your assets, stock, employees and operations — without closing the shop to go sit in someone’s office.
Looking for cheap insurance? Read this first
I get it — every shilling is fighting for its life. But hear me out: the most expensive policy in Kenya is the cheap one that doesn’t pay when you claim. The suspiciously low premium often hides a catch — an undervalued vehicle, a punishing excess, or an exclusion buried on page seven. You discover it after the accident, when it’s too late to renegotiate.
Comparing openly is how you actually save. When five quotes sit side by side, you’ll quickly spot which one is genuine value and which one is cheap for a reason.
That’s the philosophy behind everything we’ve built. Many Kenyans don’t trust insurance, and honestly, the industry earned that suspicion — through jargon, fine print and exhausting claims processes. We believe the answer isn’t selling harder. It’s educating better. When you understand exactly what you’re buying, suspicion falls away. Transparency builds confidence, and confidence builds trust.
Quick answers before you start
Is it safe to buy insurance online in Kenya?
Yes. Bowman is a licensed insurance agency, and every policy on the Mall is underwritten by established insurers regulated by the [Insurance Regulatory Authority]
Can I pay via M-PESA?
Yes — M-PESA and card payments are supported.
How fast will I be covered?
Most motor policies are issued the same day, often within the hour.
Can I still talk to a human?
Always. The Mall gives you the freedom to compare and buy on your own, but our team is one call or message away whenever you want advice. Digital convenience, human backup.
Ready? Start here
The next time your sticker is about to expire, your family needs medical cover, or your business finally deserves proper protection — don’t spend three days on the phone.
One platform. Many insurers. Built for you.
