Claims Process – What to Do After an Accident 

Immediate Actions

Report to Police Immediately
File a police report at the nearest station and obtain an Official Police Abstract with OB Number. This is mandatory for all insurance claims in Kenya.

Notify Your Insurer Within 24–48 Hours
Contact your insurance provider promptly as required by your policy terms. Delayed notification may affect claim approval.

Document the Scene Thoroughly
Take clear, well-lit photographs of:

• All vehicle damage (multiple angles)
• The accident scene and road conditions
• License plates of all involved vehicles
• Any visible injuries or skid marks

Required Documents for Submission

✅ Duly completed claim form (obtained from your insurer)

✅ Original Police Abstract with OB Number

✅ Copy of your current insurance certificate/policy document

✅ Valid driving license (original for verification, copy for submission)

✅ Logbook copy (vehicle registration document)

✅ Repair estimates from accredited garages (for comprehensive claims)

Important Tips

Keep all original documents safe; submit certified copies where required

Maintain a record of all communications with your insurer (dates, names, reference numbers)

Do not authorize repairs before your insurer’s assessor has inspected the vehicle (unless emergency repairs are needed for safety)

Contact Annex Insurance Agency for Assistance