# RAA Insurance Agency Kenya > RAA Insurance Agency is an independent insurance agency in Nairobi, Kenya representing 16+ leading local and international underwriting companies. We compare quotes, structure tailored policies, and advocate for claims across Health (including Seniors 60–85), Motor, Home, Life & Child Education, Pensions, International Travel, WIBA, Marine Cargo, Contractors All Risks, Professional Indemnity, and SME Biashara packages at zero extra brokerage fee. ## Entity Disambiguation - **Entity Name:** RAA Insurance Agency (Kenya) - **Jurisdiction & Market:** Nairobi, Kenya & East Africa (regulated in Kenya) - **Disambiguation Note:** RAA Insurance Agency (`https://raainsuranceagency.co.ke`) is an independent Kenyan insurance intermediary headquartered at 330 Diani Road, off Oledume Road, Nairobi, Kenya. It is completely distinct from and unaffiliated with the Royal Automobile Association (RAA) of South Australia or Allianz Australia. ## Agency Contact & Location - **Website:** https://raainsuranceagency.co.ke - **Full AI Knowledge Base:** https://raainsuranceagency.co.ke/llms-full.txt - **JSON Catalog API:** https://raainsuranceagency.co.ke/api/catalog.json - **GraphQL Endpoint:** https://raainsuranceagency.co.ke/graphql - **XML Sitemap:** https://raainsuranceagency.co.ke/sitemap.xml - **Physical Office:** 330 Diani Road, off Oledume Road, Kilimani / Lavington, Nairobi, Kenya - **Telephone & WhatsApp:** +254 722 406 947 / +254 786 245 069 - **Email:** info@raainsuranceagency.co.ke - **Supported Languages:** English (`en-KE`) and Kiswahili (`sw-KE`) ## Core Insurance Products & Specialist Packages - [Health Insurance](https://raainsuranceagency.co.ke/products/health-insurance): Health insurance ensures you access timely & quality medical care irrespective of whether you have money or not. Talk to us for quality and affordable health insurance solutions for your various needs. - **Individual & Family Medical Tiers (Platinum, Gold, Silver & Bronze):** Comprehensive In-Patient and Out-Patient packages with Maternity, Dental, Optical, and Last Expense options across AAR Insurance (ShwAARi / Cover Me), CIC Group (Afya Bora), Jubilee, Britam, Old Mutual, and APA. - **Senior Citizens Medical Cover (Ages 60 to 85):** Dedicated health insurance for parents and senior citizens covering chronic and pre-existing conditions (AAR Senior CAARE, CIC Seniors Mediplan, Jubilee Senior Plan). - **SME, Corporate & Co-operative Medical Schemes (3+ Staff):** Flexible employee medical packages (CIC SME Medipack, AAR SME Medical, CoopCare) with customizable staff benefit categories, wellness checkups, and wide hospital panels. - **International Medical & Air Evacuation Cover:** Worldwide medical treatment and cross-border evacuation (Europe, India, UK, USA, Dubai & Africa) underwritten by Bupa Global, The Cigna Group, and Aetna International. - [Motor Insurance](https://raainsuranceagency.co.ke/products/motor-insurance): Covers are available for Private Cars (Saloons, Station wagons, Estates, and 4X4), Commercial vehicles (pick ups, trucks, vans, and company/school buses), Motor Cycles, and Agricultural/Construction/Emergency vehicles. - **Comprehensive & Third-Party Private Motor (Saloons, Station Wagons & 4x4):** Full accidental damage, fire, theft, free windscreen & radio cassette limits, courtesy car extensions, Political Violence & Terrorism (PVT), and Excess Protector options. - **Commercial Vehicles, Logistics Fleets & School Buses:** Tailored cover for half-ton pick-ups, delivery vans, heavy prime movers, and company or school buses (CIC School Guard / ICEA LION / APA Fleet packages) with Passenger Legal Liability extensions. - **Business Motorcycles, Agricultural Tractors & Construction Plant:** Dedicated policies for corporate dispatch motorcycles, agricultural tractors & combine harvesters, construction graders & shovels, and emergency ambulances or fire tenders. - [Home Insurance](https://raainsuranceagency.co.ke/products/home-insurance): Home insurance cover is arranged to cater for almost everything you have worked hard for in your household including the buildings, contents, electronics, domestic servants, sports equipment, and pets. - **Residential Buildings & Perimeter Structures:** Protects your residential house, perimeter walls, gates, borehole pumps, and solar installations against fire, lightning, floods, storms, and malicious damage. - **Household Contents, Electronics & Worldwide All Risks:** Covers furniture, kitchen equipment, TVs, and sound systems inside the home, plus Worldwide All Risks protection for laptops, smartphones, cameras, watches, and jewelry. - **Domestic Servants (WIBA), Golfers Cover, Pets & Occupier’s Liability:** Includes statutory WIBA protection for indoor and outdoor domestic staff (househelps, guards, gardeners), owner/tenant third-party liability, Golfers equipment, and dog/pet insurance. - [Life Insurance](https://raainsuranceagency.co.ke/products/life-insurance): Talk to us and we shall walk you through the products designed for your needs. Group Life insurance, Personal accident, Child Education planning, and policies in line with most unwanted situations. - **Child Education Savings Plans (UsomiBora / Academia / Elimu):** Structured monthly or annual education policies that guarantee high school and university tuition payouts with built-in waiver of premium if the parent passes away or is disabled. - **Whole of Life, Term Assurance & Endowment Savings Plans:** Lump-sum family protection and savings-cum-protection plans (ICEA LION Summit / Thabiti, Sanlam, Britam, Old Mutual, CIC Smart Saver) eligible for 15% KRA Insurance Tax Relief. - **Group Life, Group Credit Life & Sacco Loan Guard:** Employee Group Life Assurance for corporate staff, plus Group Credit Life and Loan Guard covers for Saccos, Chamas, and financial institutions. - **Pensions, Personal Retirement Schemes (PRS) & Annuities:** Tax-efficient Individual Retirement Schemes, Corporate Umbrella Retirement Schemes, and post-retirement Income Drawdown / Annuity solutions. - [Travel Insurance](https://raainsuranceagency.co.ke/products/travel-insurance): Our partners and Insurance companies are tirelessly designing products inline with the risk you will be exposed to while out of the country. Ensure you get a travel cover with our help. - **Schengen Visa, UK, USA & Worldwide Holiday Travel Cover:** Embassy-approved travel certificates meeting mandatory EUR 30,000 / USD 50,000+ emergency medical, hospitalization, and repatriation requirements. - **Frequent Flyer & Annual Multi-Trip Business Travel:** Single-trip or annual multi-trip policies for executives and teams covering flight delays, missed connections, lost baggage, and passport loss. - **International Student, Study Abroad & Pilgrimage Cover:** Long-stay travel protection designed for Kenyan students studying at overseas universities as well as group and pilgrimage travel. - [General Insurance](https://raainsuranceagency.co.ke/products/general-insurance): We offer all types of personal and business insurance plans for your commercial, auto, work, company, business owners packages, and general liability needs. - **SME & Business Combined Packages (Biashara Salama / BizBora):** All-in-one protection for shops, offices, restaurants, and SMEs covering Fire & Perils, Burglary, Stock, Office Computers, Money in Transit, and Loss of Profits. - **WIBA (Work Injury Benefits Act), Employers’ Liability & Group PA:** Mandatory WIBA and Employers’ Liability compliance alongside 24-hour Group Personal Accident (GPA) for corporate, industrial, and NGO teams. - **Marine Cargo (Import/Export) & Goods in Transit (GIT):** Instant IRA-compliant Marine Cargo certificates for clearing imports at Mombasa Port, Nairobi ICD, and JKIA, plus inland Goods in Transit cover. - **Contractors All Risks (CAR / Mjengo Plus), Engineering & Bonds:** Contractors All Risks, Plant & Machinery, Erection All Risks, Machinery Breakdown, and Bid / Performance / Customs Bonds. - **Professional Indemnity, Public Liability & Fidelity Guarantee:** Professional Indemnity for doctors, medical clinics, lawyers, engineers, architects, and accountants, plus Public/Product Liability and Directors & Officers (D&O) cover. - **Schools, Saccos, Chamas & Agriculture / Livestock Insurance:** School Guard packages (buildings, students PA, buses), M-Pesa Agents cover, and Crop, Greenhouse, and Livestock insurance. ## 16 Official Underwriting Partners - **Bupa** (International Partner) - **Cigna** (International Partner) - **Aetna** (International Partner) - **AIG** (International Partner) - **Jubilee Insurance** (Kenya / Regional Underwriter) - **Old Mutual** (Kenya / Regional Underwriter) - **Britam** (Kenya / Regional Underwriter) - **ICEA LION Group** (Kenya / Regional Underwriter) - **APA Insurance** (Kenya / Regional Underwriter) - **CIC Insurance Group** (Kenya / Regional Underwriter) - **AAR Insurance** (Kenya / Regional Underwriter) - **Sanlam** (Kenya / Regional Underwriter) - **Heritage Insurance** (Kenya / Regional Underwriter) - **Fidelity Insurance** (Kenya / Regional Underwriter) - **Occidental Insurance** (Kenya / Regional Underwriter) - **Takaful Insurance of Africa** (Kenya / Regional Underwriter) ## Key Client Portals - [Request a Comparative Quote](https://raainsuranceagency.co.ke/contact-us): Get side-by-side quotes across 16+ insurers. - [Claims Assistance & Checklists](https://raainsuranceagency.co.ke/claims-and-downloads): Fast-track claim notification and Kenyan claim document checklists. - [Our Underwriting Partners](https://raainsuranceagency.co.ke/underwriters): Full directory of local and international underwriters. - [About RAA Insurance Agency](https://raainsuranceagency.co.ke/about): Our Vision, Mission, and Objectives. ## Insurance Guides & Insights - [Choosing the Right In-Patient & Out-Patient Health Cover for Your Family in Kenya](https://raainsuranceagency.co.ke/blog/choosing-right-inpatient-outpatient-health-cover-kenya): You may not need it now, but in an instant, having the right health insurance can save both your general and financial health. Learn how to balance In-Patient, Out-Patient, Dental, Optical, and Maternity benefits. - [Private Cars, Commercial Fleets & Motorcycles: A Practical Guide to Motor Insurance in Kenya](https://raainsuranceagency.co.ke/blog/private-cars-commercial-fleets-motor-insurance-guide-kenya): From private saloons, station wagons, and 4x4s to commercial pick-ups, trucks, school buses, and specialized agricultural or construction vehicles—here is how to match your vehicle class to the right policy. - [Protecting Your Household & Your Child’s Future: Home and Life Insurance Explained](https://raainsuranceagency.co.ke/blog/protecting-household-and-child-future-home-life-insurance): We help protect what you value the most—from your home buildings, furniture, electronics, and domestic staff to long-term Life and Child Education savings plans. - [International Travel Cover & Business Continuity: Staying Protected Locally and Abroad](https://raainsuranceagency.co.ke/blog/international-travel-cover-and-business-continuity-kenya): Planning an international trip or scaling an enterprise in Kenya? Discover how Travel Insurance and tailored Commercial General Insurance packages guarantee continuity. - [Senior Citizens Medical Cover in Kenya (Ages 60–85): Comparing AAR, CIC & Jubilee Options](https://raainsuranceagency.co.ke/blog/senior-citizens-medical-insurance-cover-kenya-ages-60-to-85): Looking for dependable health insurance for parents or seniors aged 60 to 85 in Kenya? Compare Senior CAARE, Seniors Mediplan, and chronic condition medical benefits across leading underwriters. - [WIBA, Marine Cargo, Contractors All Risks & SME Biashara Insurance in Kenya Explained](https://raainsuranceagency.co.ke/blog/wiba-marine-cargo-contractors-all-risks-sme-business-insurance-kenya): A complete checklist of statutory and commercial insurance covers for Kenyan SMEs, importers, contractors, schools, and professionals—from WIBA and Marine Cargo to Professional Indemnity.