CIC Insurance Group {Ultimate Guide}

Hillary Kangwana | December 10, 2025 | Insurance news | No Comments

🌍 Operations and Market Position

Headquarters: Nairobi, Kenya.
Regional Presence: The group operates in Kenya, Uganda, South Sudan, and Malawi.
Cooperative Roots: It began in 1968 as a department within the Kenya National Federation of Co-operatives, and its history is deeply intertwined with the cooperative movement in Kenya, which forms a significant part of its customer base.

🏛️ Group Structure (Key Subsidiaries in Kenya)

The group operates through three main subsidiaries in Kenya, in line with regulatory requirements:

🛡️ Key Products and Services

CIC offers a comprehensive suite of insurance and financial products for individuals, businesses, corporates, and the cooperative movement:

Category	Examples of Products
General Insurance	Motor Private, Motor Commercial, Domestic Package, Fire, Burglary, All Risks, Work Injury Benefits Act (WIBA), Marine/Cargo.
Life Assurance	Group Life, Individual Life, Endowment Plans, Education Policies, Group Credit Life.
Medical Insurance	CIC-Medisure Corporate In-Patient Cover, Individual/Family Medical Covers, Seniors Mediplan.
Pensions & Savings	CIC Umbrella Retirement Benefits Scheme, Annuities, Income Draw Down Fund.
Asset Management	Unit Trusts (Money Market Fund, Balanced Fund, etc.), Pension Fund Management, Wealth Management.
Microinsurance	Tailored products for small and medium enterprises (SMEs) and underserved communities.

📜 History Highlights

1968: Started as an insurance agency within the Kenya National Federation of Co-operatives (KNFC).
1978: Registered and licensed as Co-operative Insurance Services Limited (CIS), targeting the cooperative movement.
1999: Name changed to The Co-operative Insurance Company of Kenya Limited (CIC).
2010: Name changed to CIC Insurance Group Limited in preparation for the de-merger of life and general business operations.
2011: Full de-merger resulted in the formation of three main subsidiaries: CIC Life Assurance Limited, CIC General Insurance Limited, and CIC Asset Management Limited.
2012: Listed its shares on the Nairobi Securities Exchange (NSE).
2013: Began regional expansion with entry into South Sudan.
2014: Entered the Malawi and Uganda markets.

💼 Services and Subsidiaries

The Group offers a wide range of insurance and financial services through its main subsidiaries:

Subsidiary	Core Service	Focus
CIC General Insurance Limited	General Insurance	Motor (Commercial & Private), Fire, Property, Personal Accident, WIBA (Work Injury Benefits Act), Domestic Package.
CIC Life Assurance Limited	Life Assurance	Individual Life, Group Life, Pensions/Annuities (e.g., CIC Umbrella Retirement Benefits Scheme, Income Draw Down).
CIC Asset Management Limited	Financial Services	Investment Management, Investment Advisory, Money Market Funds, and Real Estate Investment Trusts (REITs).
Regional Subsidiaries	General/Life Insurance	CIC Africa Insurance (SS) Limited (South Sudan), CIC Africa Insurance Uganda Limited, CIC Africa Insurance (Malawi) Limited.

📦 Insurance Packages

CIC Group offers solutions for Individuals, Businesses, Corporates, and Cooperatives. Examples of popular packages and products include:

Product Category	Example Packages/Products
Motor Insurance	Motor Private, Motor Commercial Plus, Easy Bima (digital insurance)
Health Insurance	CIC Medisure (Family/Corporate In-patient, Outpatient), CIC CoopCare (Medical cover for Cooperative members).
Property & Casualty	Domestic Package Insurance (covers buildings, contents, servants, liability), Fire Insurance, Property Insurance, Personal Accident.
Life & Pensions	Jipange Plus, Employee Group Life, CIC Umbrella Retirement Benefits Scheme, Last Expense.
Specialized Packages	CIC SCHOOL GUARD INSURANCE (Comprehensive policy for academic institutions), WIBA.

📞 Key Contacts and Head Office

The Group operates a robust network of branches across Kenya.

Detail	Contact Information
Head Office Address	CIC Plaza, Mara Road, Upperhill, Nairobi, Kenya.
General Calls	(+254) 703 099 120 or (020) 282 3000
General Email	[email protected] or [email protected]
WhatsApp/SMS	WhatsApp: 0703 099 000 / SMS: 22471
Medical Call Center	(+254) 703 099 999 or (+254) 732 179 999

Branch Locations (Kenya):

Nairobi: Town Office (Reinsurance Plaza), Buru Buru, Westlands, Kitengela.
Rift Valley: Eldoret, Nakuru, Naivasha, Kericho, Kitale.
Central/Eastern: Nyeri, Thika, Machakos, Meru, Embu.
Western: Kisumu, Kisii, Homabay, Kakamega, Bungoma.
Coast: Mombasa, Kilifi.

CIC Kenya Offices and Branches

Branch Name	Phone Contact	Email Contacts	Physical Location/address	Region
BOMET BRANCH	0703 099 650	[email protected]	Isenya Building, 2nd Floor	Rift Valley
BUNGOMA BRANCH	(055) 203 0121	[email protected]	Simali House 1st Floor, Moi Avenue	Western
BURU BURU BRANCH	0703 099 564	[email protected]	Mesora Centre, 1st Floor Mumias Road	Nairobi
CIC Head Office	(+254) 703 099 120 (020) 282 3000	[email protected]	CIC Plaza, Mara Road, Upperhill Nairobi, Kenya	Head Office
CIC MEDICAL CALL CENTER	(+254) 703 099 999, (+254) 732 179 999, (020) 28 23 999	inpatient: [email protected]; Outpatient: [email protected]	CIC Plaza, Mara Road, Upperhill Nairobi, Kenya	Head Office
ELDORET BRANCH	0703 099 660	[email protected]	Co-operative Building, 1st Floor Ronald Ngala Street	Rift Valley
EMBU BRANCH	0703 099 900	[email protected]	Sparko Building, 3rd Floor above Family Bank	Eastern
HOMABAY BRANCH	(059) 212 2998	[email protected]	Cold Springs Plaza, Ground Floor	Western
KAKAMEGA BRANCH	(056) 203 0242, (056) 203 0850	[email protected]	Walia’s Centre, Ground Floor	Western
KERICHO BRANCH	0703 099 650	[email protected]	Imarisha Building, Ground Floor	Rift Valley
KIAMBU BRANCH	0703 099 630	[email protected]	Bishop Ranji Cathedral Plaza, 2nd & 3rd Floor	Lower Central
KILIFI BRANCH	0703 099 718	[email protected]	Al Madina Plaza, 1st Floor	Coast
KISII BRANCH	0703 099 700, 0703 099 701	[email protected]	Lengetia Place, 2nd Floor Kisii-Kisumu Highway	Western
KISUMU BRANCH	0703 099 600	[email protected]	Wedco Centre, Mezzanine Floor Oginga Odinga Road	Western
KITALE BRANCH	0703 099 951	[email protected]	Mega Center, 1st Floor	Rift Valley
KITENGELA BRANCH	0703 099 740	[email protected]	Kitengela Mall, 4th Floor	Nairobi
MACHAKOS BRANCH	0703 099 960	[email protected]	ABC Imani Plaza, 2nd Floor	Lower Central
MERU BRANCH	0703 099 930	[email protected]	Alexander House, 1st Floor Ghana Street	Eastern
MOMBASA BRANCH	0703 099 751	[email protected]	Furaha Plaza Ground Floor, Nkrumah Road	Coast
NAIVASHA BRANCH	0703 099 763	[email protected]	Eagle Center, 1st Floor Mbariu Kaniu Road	Rift Valley
NAKURU BRANCH	0703 099 775	[email protected]	Mache Plaza, 2nd Floor Geoffrey Kamau Road	Rift Valley
NANYUKI BRANCH	0703 099 770	[email protected]	Pearl Place, 1st Floor	Upper Central
NYAHURURU BRANCH	(065) 203 2055	[email protected]	Kimwa Centre, 2nd Floor Kenyatta Avenue	Upper Central
NYERI BRANCH	0703 099 680	[email protected]	Co-operative Union Building 3rd Floor,	Upper Central
THIKA BRANCH	0703 099 641	[email protected]	Thika Arcade, 6th Floor	Lower Central
TOWN OFFICE	Mobile: 0703 099 500 Tel: (020) 329 6000	[email protected]	Reinsurance Plaza Mezzanine Floor, Aga Khan Walk	Nairobi
WESTLANDS BRANCH	0703 099 727	[email protected]	Pamstech House 2nd Floor, Woodvale Grove	Nairobi

Opening Hours

Monday to Sunday: 7:00am – 7:00pm

Public Holidays: 7:00am – 7:00pm

Products List

SELF CARE PORTALS

MOTOR VEHICLE CLAIM PROCESS

Report the accident or theft to the Police immediately but not later than 24 hours and obtain a police abstract
Report the accident to CIC immediately through 0703 099 120 or 020 282 3000
Do Not Accept liability in case of an accident
Call AA of Kenya on 020 697 9000 or 0709 933 000 if you need to tow the vehicle from the scene of the accident (for comprehensive insurance only)
Clear with the police and take the vehicle to any of our Recommended garages within Nairobi (if outside Nairobi take the vehicle to a garage of your choice) and Notify us.
Complete and return a claim form obtainable in all our offices and website.
Attach the Police Abstract and a copy of the driving license of the person who was driving the vehicle at the time of the accident or loss.

Download motor claims form

Download

REQUIRED DOCUMENTS

Original police abstract
Copy of the diving license for the person driving the vehicle during the accident
Policy excess
Assessor’s report

FIRE AND THEFT CLAIM PROCESS

Report to the police immediately and obtain a police abstract
Report the loss to CIC immediately through the given emergency or toll-free numbers
Complete and return a claim form obtainable in all our offices and web site giving the replacement cost of lost property
Attach a statement from a watchman/guard or any witnesses

Download fire & theft claims form

Download

REQUIRED DOCUMENTS

Police abstract
Replacement quotation
Witness statement
Adjustment report

PERSONAL & GROUP ACCIDENT CLAIM PROCESS

Report the accident to CIC immediately through the given emergency or toll-free numbers
Follow the same with a written notification as one awaits to heal
Complete and return a claim form obtainable in all our offices and web site attaching doctor’s prescription and medical bills receipts after a clean bill of health
Attach a police abstract if it was a road traffic accident or assult
Attach copy of death certificate if the accident was fatal
Attach copies of pay slips for the previous three months before the accident if the cover is arranged on salary basis

Download personal/group accident claims form

Download

REQUIRED DOCUMENTS

PA/ PA
Original medical expenses receipts
Payslips for 3 months prior to the accident(for employees only)
Police Abstract if injuries are due to a road traffic accident or assault
Death certificate in case of a fatal accident

ORDINARY LIFE CLAIM PROCESS

A client will first notify us in the event of death, accident, or diagnosis of a critical illness.
In the event of an incident leading to a claim.
Notification can be done through email [email protected] or WhatsApp
Once notification is received, the client will be advised on the forms that need to be filled. (You can download the forms below)
Once the documents are received, they will be analyzed and communication to the client will be done
Once all documents have been analyzed and found to be in order, the claim will be processed, and a discharge voucher will be provided to the claimant.
Payment of the claim will then follow

REQUIRED DOCUMENTS

The required documents are dependent on the type of claim.

The forms have all the necessary documents needed clearly indicated on them. It’s also important to note that further documentation can be requested when the need arises.