Frequently Asked Questions

An insurance broker like Vike works on your behalf, not the insurer's. We compare products from multiple underwriters, advise you on the best fit, and advocate for you when things go wrong. You get independent advice rather than a single insurer's product.

We cover motor (private car, commercial, PSV, boda boda), health & medical, life, property (home, landlord, tenant), business & commercial, personal accident, travel, and specialty covers. Visit our Products page for the full list.

Yes. Vike Insurance Brokers is licensed and regulated by the Insurance Regulatory Authority (IRA) of Kenya, licence number IRA/03/328/2026.

Click "Get a Quote" on any page and fill in the short form. It takes under two minutes. For motor quotes we return live prices from multiple underwriters instantly. For other products we follow up within one business hour.

Our client portal is coming soon and will allow you to view policy schedules, download certificates, request endorsements, and track claims. In the meantime, reach out to your account manager or WhatsApp us.

For motor: KRA PIN, copy of logbook, driver's licence, and vehicle details (make, year, value). For health: age, number of dependants, and desired inpatient limit. We guide you through everything step by step.

Two: Third Party Only (TPO), the legal minimum, covering injury or damage you cause to others; and Comprehensive, the widest cover, which adds accidental damage, fire and theft for your own vehicle. Third party fire and theft is rarely offered in Kenya today.

For cars less than 10 years old or with an outstanding loan, comprehensive is strongly recommended. It covers windscreen, flood damage, car hire after an accident, and more.

Popular add-ons include: excess protector (waives your excess on claims), loss of use / car hire, emergency medical expenses, personal accident for driver & passengers, political violence & terrorism (PVOC), and roadside assistance.

The insurer will assess the market value of your vehicle at the time of the incident (agreed value if stipulated). You receive a settlement cheque minus any applicable excess. We help negotiate valuations on your behalf.

Yes. We arrange PSV insurance (Act-only and comprehensive), matatu fleet policies, and boda boda covers compliant with the Kenya Traffic Act. Commercial vehicles and crane/heavy-equipment covers are also available.

Most underwriters require a valuation for vehicles over three years old when insuring on comprehensive. We can recommend IRA-approved valuers and arrange the certificate quickly so your cover is not delayed.

You need: copy of logbook/title, KRA PIN, driver's licence (valid), valuation report (if required), and for commercial vehicles. A certificate of roadworthiness. We will tell you exactly what applies to your case.

Inpatient cover pays for hospital admissions, surgeries, and overnight stays. Outpatient cover pays for consultations, lab tests, X-rays, and pharmacy costs without being admitted. Many plans offer both; choosing depends on your needs and budget.

Yes. We arrange individual, family (principal + spouse + children), and group/corporate medical schemes. Family plans typically cover a principal member, spouse, and up to four children under 18.

Coverage for pre-existing conditions varies by insurer and plan tier. Some plans impose a waiting period (typically 12 months) before paying claims related to pre-existing conditions. We will identify plans with the most favourable terms for your situation.

A waiting period is the time after your policy starts during which certain benefits are not payable. For example, maternity benefits commonly have a 10-month waiting period. General illness waiting periods are typically 30 days.

Maternity cover is available as a standard benefit or add-on depending on the plan. It typically covers normal delivery, caesarean section, and post-natal care up to a set limit. A waiting period of 9–12 months usually applies.

Your access depends on your insurer's hospital panel. Most plans allow cashless admission at panel hospitals; non-panel hospitals may require you to pay and claim reimbursement. We help you choose a plan whose panel matches your preferred hospitals.

For inpatient: call the insurer's 24/7 pre-authorisation line before admission and quote your membership card number. For outpatient: present your card at a panel facility. For reimbursements: submit original receipts, clinical notes, and a completed claim form within 90 days.

Safety first: ensure everyone is safe and call emergency services if needed. Then: document the scene (photos, witness details), notify Vike or the insurer within 24 hours, and do not admit liability or make any payments to third parties before contacting us.

Minor claims (windscreen, minor dents) are often settled within 7–14 days. Complex or high-value claims can take 30–90 days depending on assessor availability and investigations. We actively follow up on all claims to minimise delay.

Typically: completed claim form, police abstract (obtained from the station where you reported), photos of damage, copy of driving licence, copy of logbook, and repair estimates from at least two garages. We will send you a full checklist.

The excess is the first portion of any claim you pay yourself. For example, if your excess is KES 15,000 and the repair costs KES 80,000, you pay KES 15,000 and the insurer pays KES 65,000. An excess protector add-on eliminates this out-of-pocket cost.

Absolutely: claims advocacy is one of our core services. From the moment you report an incident to the day your cheque clears or repair is completed, our claims team manages documentation, follows up with the insurer, and keeps you updated.

We will review the rejection letter, assess whether the grounds are valid under the policy wording, and if appropriate, submit a formal appeal or escalate to the IRA as your advocate. Many rejections are successfully overturned through proper representation.

A claim may reduce or eliminate your no-claim discount (NCD) at renewal. However, the impact depends on the insurer, the type and size of the claim, and your claims history. We advise on whether it's more cost-effective to claim or self-fund smaller losses.

You can pay by M-Pesa to Paybill 962500, by bank transfer (EFT/RTGS), by cheque, or by direct deposit. Contact your account manager or our Nairobi office for payment instructions and reference details.

Yes. Many insurers offer quarterly or monthly instalment options, though an instalment fee may apply. Some corporate and SME medical schemes qualify for monthly billing. We will let you know what options apply to your specific policy.

Cover commences once premium is received and confirmed by the insurer. We send your certificate of insurance and policy schedule within one business day of payment clearance. Do not drive or operate without confirmation of cover.

Yes. You will receive a payment receipt from Vike and a premium receipt from the underwriter. Both are sent by email and can be requested in hard copy from any of our offices.

Missing a premium payment can result in your policy lapsing, which means you have no cover. We send reminders before your renewal date. If you anticipate difficulty making a payment, contact us early and we will explore options with the insurer.

Yes. Pay to M-Pesa Paybill 962500, for every product. For the account number, motor clients use their name or number plate, and travel clients use the payment code in the email that confirms their proposal (for example JANE482). For any other product, use your policy number, or the phone number you gave us if you do not have a policy number yet. If you are not sure which to use, contact us before you pay and we will confirm it.