Speciality Products

Domestic Package
Personal Accident Cover
Life and Funeral Plan
Aviation Cover
Kinga Biashara
Motorcycle Insurance
Domestic Package

Domestic Package
This is a package cover designed especially for your residence. It is arranged to cater for almost everything you have worked hard for in your household including:

The buildings
The contents (furniture, clothing, kitchen equipment cutlery etc)
The electronics (TVs, Videos, Cameras, Watches, Music systems etc)
Domestic servants (in door and out door)
» Sports equipment (Golf, squash, riding etc)
Pets ( See Annex below on detailed description on Pet insurance)

The policy extends to include your personal liability either as an owner or an occupier of the premises to third parties, for damage to third party property or death/injury to third parties arising out your use of the premises.

Scope of cover
Accidental damage
Liability to third parties
Occupational accidents (death or illness to the servants as per the Workmen’s Compensation Act, including your liability as an employer at common law for acts of negligence)
Pet Accident / Disease / burglary / Epidemic, emergency slaughter, transit of pet

Cover can be arranged on buildings only, contents only or for both buildings and contents.


Personal Accident Cover

A major accident can suddenly disrupt your entire life. Why let your financial situation take a beating? It’s better to stay protected with personal accident insurance.

• Lump sum payment in the accidental death
• Lump sum payment in the event of disability
• Medical expense reimbursement
• Weekly hospital cash benefit.

Rating Table:

Option 1 Option 2 Option 3 Option 4
Death 100,000 250,000 400,000 500,000
PTD 100,000 250,000 400,000 500,000
H/Cash 1,000 2,000 4,000 4,000
Medical 20,000 40,000 60,000 70,000
Premium 1,000 1,500 1,700 2,500



Benefit provides a daily hospital cash in fixed amount if the insured is hospitalized due to accident or illness. It is totally up to you to decide how to best spend the amount.


• Pays fixed cash benefits for every night spent on hospital for up to 30 nights per year.
• Policy holder is the individual paying the premiums
• Benefits are paid to the policy holder
• Available to customers in good health and between 18-65 years of age (at commencement), ceases at 65 years.
• Hospitalization due to child birth, cosmetic surgery or elective surgery are not covered.

Bronze Silver Gold
Hospital Cash 1,000 1,600 2,500
Annual Premium 1,000 1,600 2,500

Life and Funeral Plan

Life and Funeral Plan
Planning for funerals requires a lump sum of cash to especially offset bills. Viva 365 will provide financial relief in the time of loss which helps families deal with grief rather than worry about funeral expenses. In the case where death occurs during an accident, cases are covered immediately while natural deaths require a 3 month waiting period from the date of the first premium payment.

Premium Table:

Option A Option B Option C
Principal Member 100,000 200,000 500,000
Spouse 100,000 200,000 500,000
Children (Four) 100,000 200,000 500,000
Parents (Two) 100,000 200,000 500,000
Parents In Law (Two) 100,000 200,000 500,000
Premium 4,000 6,000 15,000

Aviation Cover

Aviation Cover
Physical damage insurance provided to cover loss or damage to the insured’s aircraft, while it is in motion, not in motion or for both. This type of cover will typically pay for repairs and reinstatement of the aircraft to the condition that it was in before the incident, subject to certain exclusions and policy conditions which may apply. If the aircraft is not repairable an agreed amount may be paid, known as the agreed value, which is usually agreed with the insured at inception and is noted in the policy.
Available covers:

Aviation Hull
Passenger Legal Liability
Third Party liability
Airport Owners/Operators Liability
All Risks on Spares
Mail Legal Liability
Aviation Group Personal Accident
Aviation Hangar Keepers Liability


Get a Viva Save Chama Account or individual account and enjoy a return of your savings of up to 9% Chama effectively. Increase accountability and trust within your Chama, enjoy easy and safe contributions and save to get your Chama to the next level in an easy and convenient way that you can trust. The VIVA SAVE comes with a free life cover for you and your family.

Features of viva save

Tax exemption of 15% up of your contribution amount subject to a maximum amount of Ksh 5,000.
Quarterly performance reports.
No cap on how much you can save.
You can assess your statements via VIVA APP
The policy document can be used as collateral to obtain a loan from various approved credit institutions

Kinga Biashara

Kinga Biashara
The target market is small & medium entrepreneurs who have no access to conventional insurance covers. This policy can be taken by an individual entrepreneur.

The Policy will provide cover on declared stocks and business related tools against the risks of:
Fire & Lightning

Further the cover will extend to include losses as a result of:
Political violence.
Water damage following a fire
Riot, Strike & civil commotion

The Policy can be extended to provide a Personal Accident cover for the entrepreneur and his family with the following benefits:
Accidental death
Permanent total disability
Hospitalization cash payout
Medical expenses.


Maximum sum insured is Ksh 5 million
Rate 1.5%
Minimum premium Ksh 1,547/- levies inclusive


Motorcycle Insurance

Motorcycle Insurance
We offer comprehensive covers for motorcycles as part of our motor commercial policies. We have designed competitive motor insurance products for individuals and companies who love and use motorcycles. We have assembled the best team of insurance professionals who will take time to understand your needs and will also ensure you get the best policy possible in the Kenyan market. What’s more, we bring the best practices in motorcycle insurance from our nationwide operations, ensuring that you get the best services and the best deal possible for your comprehensive motorcycle insurance.

When you insure your motorbike with us, you are becoming part of the best served group of insurance customers, backed by a company that understands your insurance needs. We are eager to serve you, to ensure that your motorcycle remains covered so that you can focus on other priorities.

Psv comprehensive cover - Ksh 8,000
Psv third party cover- Ksh 4,500
Private comprehensive cover- 3% of the value of the motor cycle minimum Ksh 5,000
Private third party cover- Ksh 3,000

The Claims Process

Contact Us
0709 159 000

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VIVA 365

Complete the year on a high with our Pikipiki na Muziki Insurance that gives you a FREE MP3 music Player or a FREE reflector vest. To get yours, call us on 0709 159000 or visit us at International House, along Mama Ngina Street, 5th floor. #MotorBikeInsurance #Viva365

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