Transit Insurance Kenya 2026 Complete Guide
Goods in Transit cover for businesses against loss, damage, and theft during road, rail, sea & air transport across Diani, Ukunda, Mombasa, Kwale, Nairobi & all of Kenya.
Quick Answer: What is transit insurance in Kenya?
Transit insurance (also known as Goods in Transit or GIT insurance) in Kenya covers goods and merchandise against loss, damage, or theft while in transit from one location to another. It protects businesses during road, rail, sea, and air transport.
Transit insurance is not statutory, but it is highly recommended for businesses that transport goods regularly. Many contracts and tenders require it. Premiums start from KES 25,000 per year.
Precise Insurance Agency provides free quotes in 24 hours and same-day certificates — serving Diani, Ukunda, Mombasa, Kwale, Nairobi, and all of Kenya.
Transit insurance protects your goods from the moment they leave your premises until they reach their destination.
Whether you are a manufacturer, retailer, wholesaler, distributor, or logistics company, transit insurance is essential for protecting your goods during transport. At Precise Insurance Agency, we compare transit insurance plans from leading providers — Jubilee, Britam, CIC, APA, ICEA LION, SanlamAllianz, and more.
From Goods in Transit for domestic shipments to Marine Cargo for international imports and exports, we help you find the right cover for your business in Diani, Mombasa, Kwale, Nairobi, and across Kenya.
Did you know? Road transport accounts for over 75% of freight movement in Kenya and contributes more than 12.7% to GDP [citation:7]. Transit insurance premiums are calculated based on the value of goods, mode of transport, and routes covered.
Goods in Transit (GIT) Insurance
Comprehensive cover for goods being transported by road, rail, and inland waterways.
What Goods in Transit Covers
- Loss, damage, or destruction of goods
- Theft, pilferage, and hijacking
- Accidents involving the transport vehicle
- Fire, lightning, and explosion
- Loading and unloading damage
Types of Goods Covered
- Raw materials and components
- Finished goods and merchandise
- Machinery and equipment
- FMCG, food, and beverages
- Electronics and high-value goods
Cargo Insurance
Cargo insurance provides broader protection for goods during international and domestic shipments by sea, air, road, and rail.
What Cargo Insurance Covers
- International transit: Import and export shipments by sea, air, road, and rail.
- Warehouse to warehouse: Cover from origin warehouse to destination warehouse.
- Maritime risks: Shipwrecks, piracy, rough weather, and jettison.
- Loading and unloading: Damage during handling at ports and terminals.
- Temporary storage: Cover during transit storage and customs clearance.
Note: Marine cargo insurance is essential for importers and exporters. It protects against significant financial losses during international trade.
Inland Transit Insurance
Cover for domestic shipments within Kenya by road, rail, and inland waterways.
What Inland Transit Covers
- Domestic road transport across Kenya
- Rail transport and inland waterways
- Theft, damage, and accidents in transit
- Loading and unloading at warehouses
- Temporary storage during transit
Marine Transit Insurance
Marine transit insurance covers goods during international ocean and air shipments, including the connecting land transit.
What Marine Transit Covers
- Ocean transit: Cover for goods shipped by sea.
- Air freight: Cover for goods shipped by air.
- Warehouse to warehouse: Full journey cover from origin to destination.
- Transhipment: Cover during transfer between vessels.
- General average: Contribution to voluntary sacrifices at sea.
What's Covered & What's Not
Covered
- Loss, damage, or destruction of goods
- Theft, pilferage, and hijacking
- Accidents involving transport vehicles
- Fire, lightning, and explosion
- Loading and unloading damage
- Natural disasters (storms, floods, earthquakes)
- Temporary storage during transit
Not Covered (Exclusions)
- Losses not reported within the required timeframe
- Inherent vice or nature of the goods
- War, terrorism, and nuclear risks
- Insufficient packaging or preparation
- Delays and consequential loss
- Fines, penalties, and punitive damages
Industries We Cover Across Kenya
We provide transit insurance for every industry in Kenya. Custom rates are based on goods type, value, and routes.
Locations We Serve in Kenya
Precise Insurance Agency provides transit insurance across Kenya. Walk-ins welcome at our Diani Beach office — or we'll come to you.
Claims Process — Transit Insurance
Filing a transit insurance claim in Kenya is straightforward when you work with Precise Insurance Agency. We guide you through every step from notification to settlement.
- Report the incident immediately — Notify your insurer within 48 hours of any loss, damage, or theft.
- Secure the scene — Ensure safety, call police if required, and take photos of the damage.
- File the claim form — Complete the insurer's claim form with details of the loss.
- Provide supporting documents — Police abstract, photos, invoices, delivery notes, and consignment notes.
- Assessment & investigation — The insurer appoints a loss adjuster to assess the claim.
- Settlement — Compensation is paid within 30–60 days of a completed claim.
Timeline: Transit claims are typically processed within 30–60 days. Complex claims may take longer, but Precise Insurance advocates on your behalf throughout.
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