Claim from the Policyholders Compensation Fund when an insurer collapses
Policyholders Compensation Fund · sources read 2 Oct 2026
If your insurer has been put under statutory management or lost its licence, claim on the PCF online claims portal (cms.pcf.go.ke) within two years of the insolvency. PCF pays up to KSh 250,000 per claim.
- Fee
- We couldn't confirm a fee from the official page. Check it there before you pay.
- How long
- About 90 working days from when PCF receives your claim
- Deadline
- Claim within two years of the insurer's insolvency
- Where
- Online on the PCF claims portal (cms.pcf.go.ke), or at PCF, KWFT Centre, 6th Floor, Masaba Road, Upper Hill, Nairobi
What you need
- Copy of your ID or passport (companies: certificate of registration/incorporation)
- Copy of your KRA PIN certificate
- Original discharge voucher, where you have one
- Court judgment or award, where applicable
- Letter of administration, if claiming for someone who has died
- Copy of the police abstract, where applicable
Steps
- Confirm your insurer is under statutory management or has had its licence cancelled. If it is still running normally, complain to IRA instead.
- Create an account on the PCF claims portal (cms.pcf.go.ke) using your ID number.
- Fill in the compensation claim form, attach your supporting documents and submit. Be fully honest: PCF can reject a claim that hides material facts.
- Track your claim on the same portal.
Watch out
- PCF pays at most KSh 250,000 per claim. Any balance goes to the Official Receiver and is paid, if at all, from the liquidation proceeds.
- Claims made more than two years after the insolvency are not paid, even in exceptional cases.
- Not covered: reinsurance, retirement (superannuation) schemes run by an insurer, and claims from before 2005.
Who can apply
- Claimants of an insurer under statutory management or whose licence was cancelled
- The policy must be a Kenyan policy
- Life insurance beneficiaries qualify too
Official sources (6)
- Compensation pcf.go.ke · read 2 Oct 2026
- PCF FAQ Booklet 2024 pcf.go.ke · read 2 Oct 2026
- Insurance (Policyholders' Compensation Fund) (Amendment) Regulations, 2019 (consolidated) pcf.go.ke · read 2 Oct 2026
- Citizens' Service Delivery Charter (English) pcf.go.ke · read 2 Oct 2026
- Policyholders Compensation Fund (home) pcf.go.ke · read 2 Oct 2026
- PCF Compensation Portal cms.pcf.go.ke · read 2 Oct 2026
