A matatu is off the road for three days because of insurance paperwork. That's KES. 12,000+ in lost revenue. A SACCO manager stays up until 2 AM juggling renewals for 200 vehicles. Drivers waste precious hours hunting for the best coverage while their families wait for dinner. This isn't just inefficiency – it's money being burned, families going hungry, and Kenyans missing work. The matatu insurance system isn't just broken. It's actively harming the backbone of our transport economy. We're not here to fix it. We're here to rebuild it from the ground up.
If a matatu owner spends days comparing third-party cover, we’ve failed. If a driver loses earnings waiting for claims, we’ve failed. The insurance industry for matatus is broken—rigid pricing, opaque comparisons, claims stuck in paperwork. We’re here to change that
🚌 Compare PSV Policies in 5 Minutes – No broker visits, no hidden terms.
📱 Buy & Activate Instantly – Pay via M-Pesa, get your policy via WhatsApp/SMS.
⚡ Faster Claims, Less Downtime – Upload accident photos, track payout status in real time.
🤖 Swahili-Speaking AI Assistant – “Nataka bima ya matatu ya third-party” → gets you covered.
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Matatu insurance is Kenya’s high-stakes, high-reward niche: 500,000+ matatus on roads, yet 60% underinsured or overpaying.
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72-hour claims industry average → BimaBazaar target: 24 hours.
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SACCOs & owners demand flexibility – daily micro-policies, fleet discounts, no paperwork. By dominating this complex market first, we prove our AI can transform insurance for all sectors.
- Matatu Insurance Marketplace
Tailored for drivers, owners, and SACCOs.
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AI Matchmaking – Input route (e.g., Thika-Nairobi), vehicle age, crew size → get optimized policy options.
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Dynamic Price Engine – Compare premiums from 10+ insurers; sort by payout speed or garage networks.
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1-Click Fleet Coverage – Insure 50+ matatus via CSV upload. Pay via M-Pesa, bulk policies via email.
- Claim Turbo
For drivers who can’t afford downtime.
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Photo-Driven AI Assessment – Snap accident damage → instant repair cost estimate.
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Garage Network Integration – Direct tow to partner garages; deductibles paid via M-Pesa.
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SACCO Dashboard – Track all claims, renewals, and driver compliance in one place.
- Agent Arsenal
Tools for brokers serving the matatu hustle.
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USSD Quote Generator – Dial 483123# → generate third-party quotes offline.
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Live Commission Feed – Earn 8% per sale, paid daily to M-Pesa.
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SACCO Negotiation AI – Run “what-if” scenarios for fleet discounts (e.g., +5 vehicles = 15% premium drop).
✅ USSD Backbone + WhatsApp Hybrid – Dial *483# for no-internet access.
✅ M-Pesa Hook & Batch Payments – Instant, automated settlements & (Collect premiums from 100 drivers at once).
✅ Swahili NLP Chatbot – Understands “Nataka bima ya boda” smoothly.
✅ Offline-First Approach – Works on 2G networks, saves data bundles.
🟢 Q1 2025 – Launch “Pay-As-You-Drive” micro-policies (Sh200/day, inclusive of crew injury).
🟢 Q1 2025 – Partner with 3 major SACCOs to cover 10,000+ matatus.
🟢 Q2 2025 – AI Accident Detective – geolocate nearby witnesses via SMS for faster claims.
🟢 Q2 2025 – Gamified safety training – drivers earn premium discounts via TikTok quizzes.
🟢 Q3 2025 - POS embedded finance for B2B Partners
✅ For Drivers – Compare, buy, manage, and switch insurers while waiting for passengers.
✅ For SACCOs – Slash admin costs by 70% with digital fleet management.
✅ For Insurers – Tap into Sh20B matatu market with zero legacy tech debt.
Karibu. Let’s insure the hustle.
Proudly compliant with IRA Kenya. Built in Nairobi, for Africa.
🛠 Next.js + TypeScript – SACCO dashboards
📱 React Native – Driver app (Android-first, 10MB size)
📡 Stax + Africa’s Talking + Novu – USSD/SMS backbone
🤖 Swahili NLP Model – Fine-tuned for matatu lingo (QavaBot)
💰 M-Pesa APIs + Stellar – Instant bulk settlements