Heritage Insurance

Compare all 2 products from Heritage Insurance in Kenya.

Total Products

Insurance Products

Product	Rate	Amount	Turnaround
Heritage Motor Insurance	N/A	N/A	N/A	Apply
Heritage Home & Property Insurance	N/A	N/A	N/A	Apply

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Heritage Insurance Pros & Cons

+Pros

✓Highest claims payout ratio in Kenyan market (84%)
✓Fastest settlement time (8 days average)
✓Replacement cost cover for new vehicles
✓NCB ceiling at 65% — highest available
✓Premium concierge service for high-value policies
✓Reinstatement value basis (no depreciation)

-Cons

✗Minimum age 25 excludes younger drivers
✗Entry premium higher than budget insurers
✗Smaller branch network than CIC or Britam
✗Unoccupied property restriction (60 days)
✗Terrorism requires separate rider
✗Valuation required above KES 10M

Eligibility Requirements

CRB Check Required

Not required

Required Documents (across all products)

●National ID or passport
●Driving license (2+ years)
●Logbook
●Previous insurance certificate
●KRA PIN
●Title deed or lease agreement
●National ID
●Professional valuation report (property over KES 10M)
●Latest electrical safety certificate

Frequently Asked Questions

Does Heritage Insurance require CRB clearance?

Heritage Insurance does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.

How many products does Heritage Insurance offer on PesaMarket?

Heritage Insurance currently has 2 products listed on PesaMarket across 1 category: Insurance Products.

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Compare Heritage Insurance With

Britam Asset Managers

3 products

Best For

✓Claims-focused buyers valuing payout reliability
✓Owners of new or high-value vehicles
✓Long-term customers building NCB
✓Drivers wanting replacement cost cover
✓Homeowners in Nairobi and Mombasa
✓Landlords with rental income protection needs

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