Terms of Service

Please read these terms carefully before utilizing the services and digital application of Dawama Insurance Agency.

1. About Dawama Insurance Agency

Dawama Insurance Agency is an independent insurance intermediary operating in Kenya. We act as an advisory partner between clients and insurance underwriting companies licensed by the Insurance Regulatory Authority (IRA).

2. Provision of Quotations & Policy Binding

Quotation estimates generated through our platform or requested via our checklist forms are provided for informational and advisory purposes based on client inputs.

Final insurance premium rates, terms, and coverage inclusions remain subject to formal underwriting confirmation and verification of documents (Logbook, ID, KRA PIN).
An insurance contract becomes binding only upon official underwriter confirmation and payment receipt.

3. Client Accuracy & Disclosure Duty

Under Kenyan insurance law, clients have a duty of utmost good faith (uberrimae fidei) to disclose all material facts accurately when submitting checklists or applying for coverage.

Inaccurate disclosures, misrepresentation of vehicle market value, or concealment of medical history may void an insurance policy or result in claim repudiation by underwriters.

4. Limitation of Liability & Governing Law

Dawama Insurance Agency strives for maximum availability and information accuracy. However, we shall not be liable for indirect or consequential damages arising from website technical interruptions or underwriter claims decisions.

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Kenya.

5. Contact Us

If you have questions regarding these terms, please contact our support team at info@dawama.co.ke or call +254 710 931 640.