Kenyan protests – political or not?

This blog does not provide any views or opinions on last year’s protests nor the recent ones, or those said to be planned in the near future. Instead, it aims to shed light on the potential insurance implications—and help clarify whether your insurance policy covers you for damage resulting from the protests or whether you have a gap.

Following the 2024 protests, insurers and reinsurers in 2025 decided to specifically refer to this type of protest and added the following clauses to the specific War/Terrorism/Political Risk exclusion. In effect, it has excluded any loss or damage that arises from someone acting against the Government, state political or local authority.

Previously, insurers would consider each case on its own merits and decide if cover was provided by the standard riot and civil commotion peril under a Fire & Perils policy, or, whether it was politically motivated and only provide cover if a Political Violence & Terrorism (PV&T) policy had been purchased. Now, it’s much clearer: claims resulting from these types of events will only be covered if PV&T insurance is in place.

So, if you’re concerned about whether you are adequately protected, please get in touch with your account handler to discuss whether a PV&T policy might be appropriate for your needs.