2 Products🛡️ Insurance Products
Heritage Insurance
Compare all 2 products from Heritage Insurance in Kenya.
2
Total Products
1
Categories
N/A
Lowest Rate
N/A
Fastest Disbursement
🛡️
Insurance Products
2Heritage 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.
Apply Now
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Compare Heritage Insurance With
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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