5 Common Mistakes to Avoid When Filing an Insurance Claim in Kenya

5 Common Mistakes When Filing an Insurance Claim in Kenya

Introduction

Filing an insurance claim in Kenya can be a stressful process, especially when it comes after a loss, an accident, or any other unexpected event. Unfortunately, many policyholders unknowingly make critical mistakes that can lead to significant delays or even the outright rejection of their claims.

To help you navigate this process with confidence and avoid costly errors, this guide breaks down the five most common mistakes Kenyans make when filing insurance claims—and provides practical advice on how to avoid them.

5 Common Mistakes When Filing an Insurance Claim

1. Delaying the Claim

One of the biggest mistakes is waiting too long to notify your insurer after an incident. Most policies have strict timelines, and failing to report promptly may invalidate your claim.

Always report the incident immediately, even if you don’t have all the details yet.

2. Failing to Provide Complete Documentation

Insurers require detailed evidence such as receipts, photos, police abstracts, or medical reports. Submitting incomplete documents will inevitably slow down the approval process.

Keep a file with all supporting documents ready before submitting your claim.

3. Exaggerating or Misrepresenting Losses

Some policyholders inflate claims hoping for higher payouts. This is considered fraud and can result in the total rejection of your claim—or even cancellation of your policy.

Always be honest and provide accurate estimates of your losses.

4. Not Understanding Policy Exclusions

Many claims get rejected simply because the loss is explicitly excluded from the policy. Common examples include damage from gradual wear and tear or losses due to negligence.

Review your policy carefully and ask your insurer or broker to explain what’s covered and what isn’t.

5. Poor Communication with the Insurer

Some claimants fail to follow up or do not respond promptly to requests for clarification, leading to unnecessary delays in the processing of their claim.

Stay in touch with your insurer, keep records of all communication, and respond promptly to any queries.

Conclusion: Filing an Insurance Claim in Kenya

Conclusion

Filing an insurance claim in Kenya doesn’t have to be a complicated or frustrating process. By actively avoiding these five common mistakes—delays in reporting, missing documents, claim exaggerations, misunderstanding exclusions, and poor communication—you can significantly increase your chances of a smooth and successful claim settlement.

Remember, the key to a stress-free process is a combination of prompt action, honesty, and proper documentation.

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