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BimaPap review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BimaPap is a Kenyan insurance broker rather than an insurer, licensed by the Insurance Regulatory Authority. It suits drivers and motorcycle riders who want cover arranged through one broker, with car insurance premiums across the listings starting at €8.50.

Key facts

Best for
Kenyan drivers and motorcycle riders arranging cover through a licensed broker.
Insurance types
Auto, Motorcycle↗
Provider type
Broker↗
Claims channels
Portal, Whatsapp↗
Legal entity
Estable Insurance Agency↗
Headquarters
Kenya↗
Support channels
Email, Phone↗
Official website
bimapap.co.ke

Facts checked September 26, 2026, 1 source

Pros and cons

Pros

  • Broker status with an Insurance Regulatory Authority licence, IRA/05/46524/2026
  • Cover spans auto and motorcycle, so cars and motorcycles sit in the same place
  • Claims run through portal and whatsapp while support runs on email and phone
  • Most listings in the car insurance group allow monthly payments, and premiums start at €8.50

Cons

  • Support runs on email and phone only, with no live chat or self service centre listed
  • A broker places the policy with an insurer, so the cover sits with another company
  • The range is auto and motorcycle, with no home, life or health policies listed
BimaPap

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Drivers and motorcycle riders based in Kenya
  • People who prefer arranging cover through a broker rather than an insurer
  • Motorists who want to start a policy and make claims without visiting an office

Who should look elsewhere

  • Anyone after life or health cover, where Linxea and Oney Préstamos ES go further
  • Home and travel policy seekers, since Euroasia Insurance lists those types
  • People who want to deal directly with the company carrying the risk

Deposit protection

BimaPap is a broker, so the policy sits with an insurer rather than with the site itself. Its Kenya operation is licensed by the Insurance Regulatory Authority, licence IRA/05/46524/2026. No protection scheme is named here. Premiums across the car insurance listings start at €8.50, and claims are handled through portal and whatsapp.

The company behind it

BimaPap trades as Estable Insurance Agency and sits in Kenya, which is where its Insurance Regulatory Authority licence IRA/05/46524/2026 applies. The broker places auto and motorcycle policies with insurers, and support runs on email and phone, so questions about a quote or a claim go by email or phone.

How BimaPap compares

Where BimaPap is available

Available
Kenya
Licence in Kenya
Insurance Regulatory Authority (IRA) (IRA/05/46524/2026), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is BimaPap and who does it cover?+

BimaPap is a broker registered in Kenya, trading under the name Estable Insurance Agency. It places auto and motorcycle policies on behalf of customers rather than issuing them itself, and its operation holds a licence from the Insurance Regulatory Authority.

Which kinds of insurance can I buy?+

The range is auto and motorcycle, which covers cars and motorcycles. Home, life and health policies are not listed here. If you need one of those, Oney Préstamos ES and Linxea both cover life and health instead.

How is BimaPap regulated in Kenya?+

Its Kenyan operation is licensed by the Insurance Regulatory Authority, with the licence recorded as IRA/05/46524/2026. As a broker it arranges the policy with an insurer, so the contract itself sits with that insurer rather than with BimaPap.

What will the premium cost?+

Across the car insurance listings, premiums start at €8.50, and across the wider insurance group they start at €7.95. As a broker, BimaPap sets the price with the insurer it places you with, so the quote depends on the vehicle and the cover chosen.

Can I pay the premium monthly?+

Monthly payments are the norm in this market rather than the exception, and a broker can usually arrange them with the insurer. That is worth asking about at the point of quoting, because the payment frequency is set by the insurer rather than by the broker.

How do I make a claim?+

Claims are handled through portal and whatsapp, so the portal and WhatsApp are the two routes. The broker supports the claim and passes it to the insurer, which stays the party that pays out. Keep your policy details and a record of the incident to hand when you start.

How do I reach support?+

Support runs on email and phone, which is email and phone. Live chat and a self service help centre are not among the listed channels, so it pays to have your policy number ready before you call or write and to keep the conversation in one thread.

What should I check in a policy bought through a broker?+

Check the excess, the exclusions and which insurer underwrites the policy, since a broker only arranges it. broker status means the quote passes through the broker before it reaches the insurer, so ask for the premium with the fees shown in writing.

Sources

  • bimapap.co.ke checked September 26, 2026

    Backs: Claims channels, Provider type, Headquarters, Insurance types, Legal entity, Support channels

    “Sign in and open My claims, then tell us what happened”

  • bimapap.co.ke/docs/ira-licence.pdf checked September 26, 2026

    Backs: Licences

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Related by the facts

BimaPap

BimaPap

Kenyan drivers and motorcycle riders arranging cover through a licensed broker.

8.6/10See alternatives