Feal Insurance Agency is an independent brokerage working with every major insurer in Kenya. One desk, one file, one person who answers the phone — whether it's a boda on Ngong Road, a warehouse in Industrial Area, or a family of five in Kileleshwa.
01
We are not tied to a single underwriter. That means we can take your risk to whichever insurer prices it best this quarter — and move it next year if someone else does better.
01 / Motor
Comprehensive and third-party cover for saloons, pickups, matatus, school buses and fleets. We handle the valuation, the tracker requirement, and the annual renewal conversation so you aren't caught uninsured on a Tuesday morning.
02 / Health
Individual, family and staff schemes with the major medical underwriters. We compare inpatient limits, outpatient caps and the hospital lists that actually matter in Nairobi, Kisumu and Mombasa.
03 / Life
Term life, endowment plans, education policies and funeral cover. We sit with you and work out the number — school fees to the last term, the mortgage balance, the six months of household running costs — before anyone talks about premiums.
04 / Business
Fire and perils, burglary, business interruption, public liability, fidelity guarantee and goods in transit — bundled into one package for shops, clinics, hotels, schools and professional practices. We review the sum insured annually so you aren't paying for a 2019 valuation.
05 / Marine
Import cargo from Mombasa to the ICD at Embakasi, export consignments, and hull cover. We issue the marine certificate your clearing agent needs, usually the same day.
06 / Engineering
Contractors all risks, erection all risks, plant and machinery, and electronic equipment cover for contractors, plant hire firms and manufacturers. We read the contract's insurance clause with you before you sign it.
07 / Agriculture
Multi-peril crop cover, livestock mortality, greenhouse and irrigation assets, plus the farm buildings and machinery package. We work with the underwriters who actually understand a season in Nakuru or Meru.
08 / Property
Buildings, contents, all-risks for the laptop and the camera, plus landlord's liability and rent protection for rental blocks. Domestic staff cover included where the underwriter allows it.
09 / Speciality
School fee protection, student personal accident, travel and Schengen-compliant medical cover, event liability for weddings and concerts, and the performance bonds and customs bonds that tender work demands.
02
We hold agency and brokerage appointments across the Kenyan market. If your risk is unusual, we will find the underwriter who writes it — including through reinsurance channels for large or specialised exposures.
Not every insurer writes every class, and panel terms change. Tell us the risk and we will tell you honestly which two or three underwriters are worth approaching — and which are not.
03
A claim is the only moment an insurance policy is actually tested. This is the part we take most seriously, and the part most brokers hand back to you.
Before the assessor, before the garage. One number, day or night: +254 711 084 220. We tell you what to do at the scene and what not to sign.
We notify the underwriter in writing the same working day and log the claim reference. You get that reference by SMS so you are never chasing a number you don't have.
Police abstract, motor vehicle valuation, discharge voucher, invoices, medical reports, police occurrence book extract — we tell you exactly which ones apply and we chase the ones that come from third parties.
We keep a written trail of every follow-up. If a claim stalls, you hear it from us with a reason and a date — not silence.
We check the settlement against the policy before you accept it. If the offer is short of what the cover says, we say so and we take it up with the underwriter.
Emergency numbers. Motor accidents: report to the nearest police station within 24 hours and notify us the same day. Medical emergencies: go to the nearest accredited hospital first, paperwork second — we will sort the pre-authorisation while you are being treated.
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Feal Insurance Agency was opened in 2009 above a hardware shop on Biashara Street, with one desk, one landline and a client list of eleven. The first policy we ever placed was a third-party motor cover for a carpenter in Gikomba. He is still a client.
We are an independent brokerage, which in practice means we earn our keep by placing your risk well rather than by pushing one company's product. We are licensed by the Insurance Regulatory Authority and we are members of the Association of Kenya Insurance Brokers. Our commission is disclosed to you in writing before you sign anything.
Today we run a team of nine — four placement officers, two claims handlers, a credit controller and two people on the phones — from offices in Westlands. Roughly a third of our book is commercial, a third is motor and personal lines, and a third is medical and life. We turn down work we cannot do properly, which is why we don't sell unit trusts or mortgages.
— Peter M. Wanjala, Principal Broker
05
Tell us what you need covered and roughly what it's worth. We'll come back with two or three quotes from different underwriters and a plain-English note on what each one actually excludes.