The Association of Kenya Insurers (AKI) has intensified enforcement operations targeting fraudulent motor insurance certificates, working with the Traffic Police Department, the Insurance Regulatory Authority (IRA) and the Insurance Fraud Investigation Unit.
In a statement, AKI pointed out that the persistence of fraudulent motor insurance covers poses financial and reputational risks to the industry and leaves unsuspecting motorists exposed. Such fraud is a criminal offence punishable by law.
AKI issues digitised motor insurance certificates as part of ongoing efforts to digitise and ease access to insurance. However, despite the digital verification system, cases of forgery persist in various regions of the country, the association said.
In the past year, AKI and the authorities uncovered 44 cases across two regions, the association said.
In June 2025, an operation in the Central region, led by Commissioner of Police, Mr. Anthony Muriithi, uncovered 27 cases of forged motor insurance certificates. Four cases have since been concluded, with offenders fined between KES15,000 ($116) and KES30,000, or sentenced to prison terms ranging from four months to one year. The remaining cases are pending before the courts.
A subsequent operation in December in the Coast region identified 17 additional cases. Three cases have been finalised. In one instance, the offender was fined KES200,000 or two years' imprisonment, while two others were fined KES50,000 or six months’ imprisonment
The Association added that joint operations will continue across other regions as part of a broader industry effort to strengthen compliance and ensure that the benefits of digitisation translate into real protection for policyholders.