BimaPap review

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

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Our verdict

BimaPap is a broker based in Kenya that places auto and motorcycle cover with insurers, suiting drivers and riders who want an intermediary to shop the market and a claim raised through portal and whatsapp. The tradeoff is scope: auto and motorcycle is the full list, and the intermediary is recorded under licence IRA/05/46524/2026.

Key facts

Best for
Drivers and riders in Kenya who want a broker to shop insurers on their behalf.
Insurance types
Auto, Motorcycle (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Claims channels
Portal, Whatsapp (Source, checked September 26, 2026)
Legal entity
Estable Insurance Agency (Source, checked September 26, 2026)
Headquarters
Kenya (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
bimapap.co.ke

Pros and cons

Pros

  • A regulated intermediary rather than a single insurer, recorded under licence IRA/05/46524/2026.
  • Claims start through portal and whatsapp, so notification needs no branch visit or posted letter.
  • Help comes by phone or email: email and phone.

Cons

  • Cover stops at auto and motorcycle, so home, health or travel insurance has to come from elsewhere.
  • Support runs on email and phone only, with no live chat listed.
  • As a broker it is not the risk taker, so the wording of cover sits with the insurer.
BimaPap

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Scored 8.7 / 10 by AssureCue.

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Who it suits

  • Drivers in Kenya who would rather have a broker compare insurers than choose a single provider.
  • Riders who want a motorcycle policy handled in the same place as a car policy, since auto and motorcycle lists each.
  • People who prefer to raise a claim from portal and whatsapp rather than through a call.

Who should look elsewhere

  • Households that want cover under a single name: Good Sam Insurance Agency lists auto, home and renters.
  • Buyers whose priority is the home rather than the road: Hiscox UK lists home, renters and landlord.
  • Anyone pairing a car policy with travel or gadget cover: EuroAsia Insurance lists auto, home and travel.

How your money is protected

BimaPap is a broker, so the policy you end up holding is underwritten by an insurer rather than by the place you applied through. In Kenya the intermediary itself is recorded with the Insurance Regulatory Authority under licence IRA/05/46524/2026. That licence is the part worth checking, because the authority polices the intermediary rather than the risk it places.

The company behind it

The name that appears on the paperwork is Estable Insurance Agency, based in Kenya. Contact runs through email and phone, so help comes by phone and by email rather than only through an app. The same operation is the one the Insurance Regulatory Authority has on file under licence IRA/05/46524/2026, which is where a complaint about the intermediary would start.

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 will a policy cost?+

BimaPap is a broker, so the price is set by the insurer it places you with rather than by a published BimaPap tariff. For a yardstick, the median starting premium for car insurance on AssureCue is €8.72, and the spread of listings runs €3.90 to €45.49.

What cover does BimaPap offer?+

The list is auto and motorcycle, so a car policy or a motorcycle policy, and nothing outside those lines from the same account. Home, health, travel and pet cover sit elsewhere in the market, so a household with mixed needs deals with separate policies.

How do I make a claim?+

Claims are lodged through portal and whatsapp, so a notification can go in through the portal or on WhatsApp instead of by post or in person. The same team is reachable on email and phone for the detail that follows, which covers email and phone.

How do I get help outside a claim?+

Support runs on email and phone, so email and phone are the listed ways to reach a person. There is no live chat or community forum in that list, so a question with a deadline is better asked by phone than in writing.

Is BimaPap licensed in Kenya?+

Yes. The Insurance Regulatory Authority of Kenya records the intermediary under licence IRA/05/46524/2026, and the operating company is Estable Insurance Agency, based in Kenya. Because BimaPap is a broker, the licence covers the placement side of the deal; the insurer on the policy carries its own authorisation for the risk.

Can I pay monthly?+

89.4% of car insurance listings on AssureCue offer monthly payments, and 88.5% of motorcycle listings do too. Whether BimaPap can set that up depends on the insurer it places you with, since it is a broker and not the underwriter.

Who is BimaPap aimed at?+

Drivers and riders. The auto and motorcycle list suits a household with a car and a motorcycle, and a claim can be raised through portal and whatsapp without a call. Anyone wanting a home, health or travel policy alongside the vehicle cover needs another provider.

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.

BimaPap

BimaPap

Drivers and riders in Kenya who want a broker to shop insurers on their behalf.

8.7/10See alternatives

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