Key takeaway: Eligible users with a valid motor vehicle logbook can compare quotes, complete the purchase process and pay for private motor insurance through the LOOP App. NCBA Insurance sends the policy documents directly to customers.
NCBA Group has rolled out private motor insurance on its LOOP digital banking app. The product was developed through a collaboration between group subsidiaries LOOP DFS and NCBA Insurance.
LOOP customers can now compare quotes, complete the purchase process and pay for private motor insurance through the app, reducing the need to use separate channels for the initial purchase.
What the Integration Does
According to the launch information, the LOOP insurance service allows users to:
- Compare motor insurance quotes
- Complete the insurance purchase process
- Pay for the selected policy through LOOP
- Receive policy documents directly from NCBA Insurance
- Track application status and receive notifications
Launch coverage also states that insurance certificates and related policy documents are delivered digitally, with documents typically issued within about two hours of purchase. Customers should still confirm timing and delivery method with NCBA Insurance if documents do not arrive as expected.
Stella Njung’e, Managing Director and CEO of NCBA Insurance, said the group’s digital work is aimed at making financial services simpler and more accessible. Completing the private motor journey through LOOP, she said, reduces the multiple touchpoints and paperwork that traditionally come with buying car insurance.
LOOP is NCBA’s digital financial services app, with more than one million downloads, and is used for everyday payments and related financial services alongside this insurance channel.
Note on renewals: Some launch reports have said customers can renew through the platform. LOOP’s current FAQ states that motor insurance policy renewals are not yet available through LOOP, and that renewal reminders are handled by NCBA Insurance. This article follows the current first-party LOOP FAQ on that point.
Who Can Buy Cover on LOOP
Customers purchasing motor insurance through LOOP need a car logbook to complete the process. The latest requirements and prompts are displayed through the app.
Users should follow the latest steps in the LOOP App and confirm requirements before purchase.
Cover Options Available
Mobile: Swipe left / right to see all columns → ←
| Cover tier | What it is for |
|---|---|
| Third-Party Cover | Basic legal protection for third-party bodily injury and property damage |
| Standard Comprehensive Cover | Third-party protection plus cover for the insured vehicle against accidents, theft and fire |
| Premier Comprehensive Cover | Standard comprehensive benefits plus additional convenience or value-added services |
← Swipe table left and right on mobile →
LOOP’s FAQ refers to third-party cover and comprehensive options (Standard / Premium). Launch reporting uses Standard Comprehensive and Premier Comprehensive. Product names and benefits may be presented differently in the app or policy documentation. Always check the live quote and policy wording.
Pricing and Premiums
Motor insurance premiums vary according to the vehicle, the cover selected and the risks being insured. Customers should use the quote displayed in LOOP as the applicable price for their vehicle.
Launch information presents pricing as transparent, with the amount shown upfront before payment and no hidden fees added at the point of authorisation. Always confirm the premium, excesses, exclusions and add-ons on the quote screen before paying.
Why NCBA Is Pushing Embedded Insurance
Kenya’s insurance penetration remains relatively low, with launch reporting putting it at about 2.4%. The digital distribution of insurance products is one way insurers and financial institutions are seeking to make insurance easier to access.
NCBA has also been expanding its insurance business. In its H1 2026 results, the group said NCBA Insurance and Bancassurance generated gross written premiums of KSh 2.1 billion and KSh 2.3 billion, respectively. NCBA said insurance was being embedded into customer relationships as part of its broader growth strategy.
Putting motor cover on LOOP fits that pattern — making asset protection available in a channel customers already use for everyday finance.
How This Fits LOOP’s Wider Offer
LOOP is NCBA’s digital financial services platform for payments, banking and related services in one app. Private motor insurance adds cover for vehicle owners who already use that channel.
What Customers Should Still Check
Digital purchase does not remove the need to read the policy. Before relying on cover, confirm:
- Whether the vehicle use is correctly declared
- The vehicle’s insured value and valuation basis
- Excesses and exclusions
- What is covered under the selected policy
- The claims process and required documents
- Any additional benefits or optional add-ons
NCBA Insurance provides the insurance product, while LOOP provides the digital channel for obtaining quotes and making payments. For cancellations, policy changes or insurance-specific enquiries, customers should contact NCBA Insurance.
Useful links:
Read also:NCBA Bank Kenya — Retail, Corporate & Digital Banking, Upper Hill
Frequently Asked Questions
Can I buy car insurance on the NCBA LOOP App?
Yes. NCBA has integrated private motor insurance into LOOP through LOOP DFS and NCBA Insurance, according to September 2026 launch reporting and LOOP’s product information.
What documents do I need?
A car logbook is required to purchase motor insurance through LOOP. Customers should follow the latest requirements displayed in the app.
What cover options can I choose?
Three private motor options are offered: third-party; standard comprehensive; and premier comprehensive (also shown in some LOOP materials as Standard / Premium comprehensive). Confirm the exact label and benefits on your quote.
How much does LOOP motor insurance cost?
Premiums are vehicle- and cover-specific. The price shown in the app before payment is the amount to rely on for that quote.
When do I get my policy documents?
NCBA Insurance sends policy documents directly to customers. Launch coverage indicates digital certificates are typically issued within about two hours of purchase. Payment history and receipts remain accessible in LOOP.
Can I renew my motor insurance through LOOP?
Not currently. LOOP’s current FAQ says motor insurance policy renewals are not yet available through the app. Renewal reminders are sent by NCBA Insurance.
Is this the same as all NCBA Bank branch insurance?
This is a LOOP App channel for private motor cover via NCBA Insurance. NCBA also runs wider bancassurance and insurance businesses that may offer other products through different channels.
Does buying on LOOP replace reading the policy?
No. Always review the policy wording, excesses and exclusions. For cancellations and policy changes, contact NCBA Insurance.
Bottom Line
NCBA has added private motor insurance to the LOOP App, allowing eligible customers to compare quotes, purchase cover and make payments digitally. The available products include third-party, standard comprehensive and premier comprehensive cover.
LOOP’s current FAQ says policy renewals are not yet available through the app, while NCBA Insurance sends policy documents directly to customers. Customers should therefore confirm the latest features, premium, cover limits, exclusions and policy terms before purchasing.
Sources
- LOOP official FAQs
- LOOP / LOOP DFS
- HapaKenya – You can now buy car insurance from the NCBA LOOP app (17 September 2026)
- NCBA Group (including H1 2026 results disclosures)
- Citizen Digital – NCBA integrated insurance push
- Insurance Regulatory Authority
Insurance products are subject to underwriting, policy terms and regulation. Features can change; where launch reports and LOOP’s FAQ differ (for example on renewals), this article follows the current LOOP FAQ. This article is for information only and is not insurance advice. Confirm current features, premiums and documents in the LOOP App and with NCBA Insurance before buying.