UAP Insurance  has launched a mobile based personal accident cover that targets the largely uninsured population segment and looks to increases accessibility to insurance by more Kenyans.

The product named Salamasure, covers the entire transaction with the customer from start to finish. Customers will register, pay and report their claims on their phone. The claim will also be paid directly through the phone. The entire process of going on cover takes less than two minutes.

UAP Insurance Managing Director, James Wambugu, say that it took UAP over two years to develop Salamasure. The platform will also allow UAP’s large network of agents and brokers to sell the product to their clients.

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To use the Safaricom mobile phone line to buy the cover, one needs to just dial *827# and follow simple instructions. The buyer will be prompted to provide his or her ID card number and the beneficiary’s ID’s number. There are no forms to be filled to sign up and the premium is then paid monthly through M-Pesa.

Once registered, you will get confirmation of your cover by SMS as soon as you pay. The customer will be automatically reminded to renew their cover before expiry.

Salamasure cover has three options, Standard which has a cover limit of Shs 100,000, Silver Shs 200,000 and Gold Shs 500,000. The cover limit is what an insured person or beneficiary would be paid in case of total permanent disability or loss of life. Payment for injury would be a percentage of the degree of injury. The applicable premium is Ksh200, Ksh250 and Ksh400 respectively. In terms of daily cost a cover for Shs 100,000 therefore costs less than Sh 7. The service is available 24 hours a day, seven days a week. In case of enquiries, customers can call