Terms & Conditions

1. Who we are

Stamens Insurance Agency is an independent insurance intermediary based in Kenya. We assist clients in arranging personal, business and professional insurance with various insurers and underwriters.

2. Use of this website

The content on this website is provided for general information purposes only. While we aim to keep information accurate and up-to-date, we do not guarantee that all details are complete, current or applicable to your specific situation.

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict or inhibit anyone else's use of the site. You must not attempt to interfere with the security or operation of the website or introduce malicious code.

3. No advice or offer on this website

Information on this website does not constitute financial, legal or professional advice, and it does not amount to an offer or recommendation to buy any particular insurance product. Any decisions about insurance cover should be made after discussing your specific needs with us and, where appropriate, reviewing the insurer's policy documents and terms.

4. Quotes and policies

Any quotes we provide are based on the information you supply at the time of the enquiry and the terms offered by insurers at that time. Quotes are subject to change and are not guaranteed until the policy has been accepted and confirmed by the insurer.

Policy coverage, exclusions, limits and conditions are defined in the insurer's policy wording and schedule. It is your responsibility to review these documents carefully and to raise any questions or discrepancies with insurers and us before accepting cover.

5. Your responsibilities

When requesting quotes, arranging cover or renewing policies through us, you agree to:

• Provide accurate, complete and honest information to the best of your knowledge.
• Inform insurers and us promptly of any changes in your circumstances that may affect your cover.
• Review policy documents provided to you and notify us and insurers of any errors or concerns.

Failure to disclose relevant information or misrepresenting facts may result in reduced cover, denial of claims or cancellation of your policy by the insurer.

6. Third-party products and services

We work with various insurers and service providers to arrange cover. These third parties have their own terms, conditions and privacy policies, which will apply to any products or services you take up with them. We are not responsible for the content, performance or decisions of third-party providers.

7. Links to other websites

Our website may contain links to third-party websites that are not operated by us. We have no control over the content or availability of these sites and are not responsible for any loss or damage that may arise from your use of them. You access third-party websites at your own risk.

8. Limitation of liability

While we take reasonable care in the operation of this website and in providing our services, we do not accept liability for any loss or damage (whether direct, indirect, special or consequential) arising out of or in connection with:

• Your use of, or inability to use, this website or its content.
• Any errors, omissions or inaccuracies in the information provided on this website.
• Decisions or actions you take based solely on website content without obtaining personalised advice.
• Acts, errors or omissions of third-party insurers or service providers.

Nothing in these Terms is intended to exclude or limit any liability that cannot be excluded or limited under applicable law.

9. Intellectual property

Unless otherwise stated, all content on this website—including logos, text, graphics and layout—is owned by or licensed to Stamens Insurance Agency. You may view, download or print content for your personal, non-commercial use only. You must not reproduce, modify, distribute or use any content for commercial purposes without our prior written consent.

10. Privacy and data protection

Our use of your personal information is governed by our Privacy Policy. By using our website or services, you acknowledge that you have read and understood the Privacy Policy and agree to the way we handle personal data.

11. Changes to these Terms

We may update these Terms & Conditions from time to time to reflect changes in our services, legal requirements or how we operate. When we make significant changes, we will update the "Last updated" date below. Your continued use of our website or services after any changes means you accept the updated Terms.

Last updated: 2025

12. Governing law

These Terms & Conditions are governed by and construed in accordance with the laws of Kenya. Any disputes arising out of or in connection with these Terms shall be subject to the jurisdiction of the Kenyan courts.

13. Contact us

If you have any questions about these Terms & Conditions, please contact us at:

• Phone: +254 799 263 015
• Email: stamens74@yahoo.com
• Location: Kenya