Last Updated: January 2026

1. Acceptance of Terms Welcome to Kensing Insurance Brokers. By accessing or using this website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of our services immediately.

2. Definitions

• “The Company,” “We,” “Us”: Refers to [Kensing Insurance Brokers].

• “The User,” “You”: Refers to the person or entity accessing this website.

• “Services”: Refers to insurance brokerage, risk advisory, and claims assistance provided by us.

3. Nature of Insurance Information (Crucial Clause) The information provided on this website is for general guidance and informational purposes only.

• Quotes are Estimates: Any insurance quote generated on this site is an estimate based on the information you provide. It is not a final offer of contract.

• Policy Prevails: In the event of any discrepancy between the information on this website and your official Policy Document, the terms and conditions in the Policy Document shall prevail.

• Cover Note: No insurance cover is in force until a premium has been paid and an official Cover Note or Policy Certificate has been issued by us.

4. User Obligations When using our website, you agree to:

• Provide accurate, current, and complete information when requesting quotes.

• Do not use the website for any fraudulent or unlawful purpose.

• Not attempt to interfere with the proper working of the website (e.g., introducing viruses or overloading our servers).

Note: Providing false information (non-disclosure of material facts) may void your insurance policy and result in claims being rejected.

5. Intellectual Property All content on this website, including text, graphics, logos, images, and software, is the property of [Your Company Name] or its content suppliers and is protected by Kenyan and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

6. Limitation of Liability To the fullest extent permitted by law, Kensing Insurance Brokers shall not be liable for:

• Any direct, indirect, or consequential loss arising from your use of this website.

• Any technical issues, server downtime, or data loss.

• The rejection of a claim by an Underwriter due to non-disclosure or policy exclusions.

7. Third-Party Links Our website may contain links to third-party websites (e.g., payment gateways or partner insurers). We have no control over the content or privacy practices of these sites and accept no responsibility for them.

8. Governing Law & Dispute Resolution These Terms and Conditions shall be governed by and construed in accordance with the Laws of Kenya. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the Kenyan courts.

9. Changes to Terms We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the site constitutes your acceptance of the revised terms.