How to Get WIBA Cover on WhatsApp in Under 30 Minutes

Traditional insurance in Kenya has long been synonymous with delays: filling multiple forms, waiting days for callbacks, traveling to physical offices, and waiting for cover notes. **insurepap has changed that forever.**

By leveraging the WhatsApp Business API and our CRM system, we have digitized the entire brokerage lifecycle. Here is exactly how you can take your business from uninsured to 100% legally compliant in under 30 minutes, all from your phone.

Step 1: Open the Chat

Start by sending the word "WIBA" to our official business WhatsApp number. You will receive an instant automated greeting presenting our compliance options.

Step 2: Declare Your Business Profile

Our interactive chatbot will guide you through four basic questions:

What is your company name?
What industry is your business in? (Select risk level)
How many employees do you have?
What is your approximate monthly payroll?

You don't need to have audited financial audits on hand; approximate payroll numbers are sufficient to initiate cover.

Step 3: Receive Your Quotes

Within minutes, our backend team calculates rates against our panel of leading underwriters (such as Jubilee Insurance). We send a clean, single-page summary directly to your chat screen outlining options, rates, and coverage limits.

Step 4: Pay via M-Pesa

Once you select your preferred quote, accept the terms. We provide our M-Pesa Paybill number. Simply make the payment and reply with the M-Pesa transaction code or click "DONE".

Step 5: Covered

The moment payment is received, our CRM triggers policy generation. Your official digital cover note and policy document are sent back to you as a PDF in the WhatsApp chat. You are officially covered and compliant.

No paper, no queues, no delays. Just fast compliance for modern Kenyan SMEs.