We Stand By You
Stress-Free Claims
Assistance in Kenya
The true test of an insurance cover is the claim. At Shamja Insurance Agency, we don't just sell policies—we manage the entire claims process for you, from notification to payout.
48hrs
Notification Window
98%
Settlement Rate
14 Days
Avg. Settlement Time
IRA
Regulated Support
How to File a Claim
Notify Us
Contact us via WhatsApp or Phone within 48 hours of the incident.
Documentation
Share photos and required documents (Police abstract, medical reports, etc.)
Assessment
We coordinate with the insurer's adjusters or garages to value the loss.
Payout
Once approved, the insurer issues a Discharge Voucher and pays your bank.
Essential Claim Documents
Motor Claims
- • Copy of Driver's License
- • Original Police Abstract
- • Completed Claim Form
- • Photos of vehicle damage
Medical Claims
- • Original Invoices & Receipts
- • Medical Report / Discharge Summary
- • Prescriptions & Lab Results
- • Claim form signed by doctor
Life / Last Expense
- • Certified Burial Permit
- • Death Certificate (Copy)
- • ID of the Beneficiary
- • Police report (if accidental)
Your Advocate in Claims
Shamja Claims Dept | IRA No. IRA/05/48521/2026
"When you have a claim, we become your legal and professional advocates. We ensure that underwriters treat you fairly and that you receive every shilling you are entitled to under the Insurance Act."
Claims FAQs
What should I do immediately after an accident?
Ensure safety first. Do not admit liability. Take photos of the scene and all vehicles involved. Contact us immediately to guide you on getting a police abstract.
Will a claim increase my next premium?
In Motor insurance, making a claim may affect your 'No Claims Bonus' (NCB). However, with an 'Excess Protector' benefit, some small claims may not impact your costs.
What is an 'Excess' in a claim?
Excess is the first part of a claim that you agree to pay yourself. We can help you find policies with 'Zero Excess' to avoid out-of-pocket costs during a claim.
Need to report a claim?
Our claims experts are available on WhatsApp right now to walk you through the process and start your notification.
Start Claim via WhatsAppIRA Compliance Disclosure
Shamja Insurance Agency acts as an intermediary. All claims are settled by the respective underwriting insurance companies as per the Insurance Act of 1984. License No: IRA/05/48521/2026.