We Safeguard. You Thrive.
Motor, life, and health insurance for individuals, businesses, and institutions across Kenya. Get your third-party motor quote instantly, or chat with an agent for anything else.
Instant Quote
Private car or bike, third party cover
Starting From
KES 4,500
Need comprehensive cover or a commercial/PSV quote instead? Request a quote here
Underwritten by leading insurers
About Shamja Insurance Agency
Shamja Insurance Agency is a licensed Kenyan insurance intermediary regulated by the Insurance Regulatory Authority (IRA). We place motor, life, and health cover with established underwriters on behalf of individuals, businesses, schools, and institutions across the country.
Our agents handle policy placement, renewals, and claims support directly — there is no call centre and no automated ticketing queue. Every quote that requires human judgment (comprehensive motor, commercial fleets, institutional transport, life, and health cover) is reviewed personally by a licensed agent before you commit, so you are never sold a policy that doesn’t match your risk.
IRA License No: IRA/05/48521/2026
Why clients trust us with their cover
- Licensed & regulated — Fully compliant with IRA Kenya requirements for insurance intermediaries.
- Direct agent access — Every policy is reviewed by a real agent, not an automated quote engine guessing at your risk.
- Multiple underwriter partners — We compare cover across several IRA-approved insurers instead of pushing one provider.
- Claims support included — Agents assist with claims documentation and follow-up, not just the initial sale.
- WhatsApp-first service — Built around how our clients already communicate, with fast, traceable responses.
What are you covering?
Choose a category to see cover options and get a quote
How it works
Whether you need a same-day third-party quote or a fully reviewed commercial fleet policy, the process starts and ends on WhatsApp — no branch visit required.
Choose your cover
Pick motor, life, or health insurance based on your needs, or tell us and we’ll point you to the right product.
Get your quote
Instant price for private third party, or a same-day WhatsApp reply from a licensed agent for everything else.
Get insured
Confirm your cover directly with an agent on WhatsApp, pay via M-Pesa or bank transfer, and receive your documents.
What our clients say
“Shamja helped me get a quick motor quote and the service was excellent.”
Jane W.
Small business owner
“Fast WhatsApp response and clear cover options.”
Pauline K.
Private car owner
“The team handled our fleet cover smoothly and kept us informed.”
Samuel O.
School administrator
Why clients choose Shamja
Licensed & regulated
Fully compliant with IRA Kenya requirements for insurance intermediaries.
Fast turnaround
Quotes and cover processed same day, most within hours.
WhatsApp support
Talk to a licensed agent directly, no call centres or hold music.
We safeguard, you thrive
Cover built around your real risk profile, not guesswork or upselling.
Frequently asked questions
How long does it take to get a quote?
Instant for third-party motor and same-day for other products via WhatsApp.
Can I pay with M-Pesa?
Yes, we accept M-Pesa and bank transfers for most policies.
Are you regulated by IRA?
Yes, we are licensed and compliant with the Insurance Regulatory Authority of Kenya.
Do you offer cover for businesses and schools?
Yes, we place cover for businesses, institutions, commercial fleets, and PSV.
Ready to get covered?
Get an instant quote or talk to an agent on WhatsApp right now.