Insurance Investigator Licence Fees and Charges in Kenya

An insurance investigator is a licensed professional or firm engaged to investigate suspected fraudulent claims, gather facts surrounding disputed losses, and provide reports that assist insurers in claims assessment and litigation. Given the rising incidence of insurance fraud in Kenya, investigators form an important part of the claims management ecosystem. They are licensed by the IRA as insurance service providers under Section 150 of the Insurance Act, Cap. 487.

Fees and Charges

Fee / Charge	Current Amount (KES)	Proposed Amount — Draft Regs 2025 (KES)
Registration / licence fee	3,000	10,000
Annual renewal fee	3,000	10,000

Qualification and Competency Requirements

Requirement	Details
Insurance qualification	Must have passed or been exempted from the Certificate of Proficiency (COP) examination, offered by the College of Insurance
Experience	Minimum 2 years working experience in insurance investigation
Certificate of good conduct	Required for the Principal Officer
Corporate entity	Proof of sound financial standing required

Nature of the Role

Insurance investigators are engaged directly by insurers, reinsurers, or their legal representatives. They do not represent policyholders or claimants. Their work product — investigation reports, witness statements, surveillance records — is provided to the instructing insurer and may be relied upon in claims negotiations or court proceedings. Investigators must conduct their work in accordance with Kenyan law, including applicable privacy and data protection regulations under the Data Protection Act, 2019. The IRA's draft 2025 regulations propose a tenfold increase in the annual fee for investigators, from KES 3,000 to KES 10,000, as part of a broad recalibration of service provider fees. Regulated by the Insurance Regulatory Authority (IRA) under the Insurance Act, Cap. 487, Laws of Kenya.

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