In a move set to give shoppers greater peace of mind, Britam General Insurance, Hotpoint Appliances, and MIC Global Risks have joined forces to launch an innovative All-Risks insurance cover for select home appliances purchased at Hotpoint stores nationwide or online.
The new cover activates automatically at no extra cost the moment an eligible appliance is bought, offering customers a full year of protection without any paperwork or additional fees.
From refrigerators and TVs to laundry machines, cookers, and air conditioners, the cover spans a wide range of household essentials. Customers are protected against accidental damage, power surges, fire, water damage, theft, burglary, transit loss, and even political violence and terrorism.
The partnership also guarantees quick support through a repair-or-replace model, backed by Britam’s digital claims portal and a digital insurance certificate issued instantly at checkout.
This collaboration comes at a time when household electronics account for a rapidly rising share of middle-class spending, driven by urbanization, increased mortgage uptake, and the expansion of Kenya’s domestic appliance market.
According to the Kenya National Bureau of Statistics (KNBS) 2025 Economic Outlook, Kenya’s household appliance and consumer electronics market is projected to grow by 11.4% in 2025, propelled by increased disposable incomes and the resurgence of consumer confidence amid easing inflation.
“Most consumers do not proactively purchase insurance for their household appliances, yet these items are increasingly essential to day-to-day living. By embedding cover into the purchase journey, we are meeting customers where they are and making protection accessible, seamless and relevant,” said CEO & principal officer at Britam General Insurance, James Mbithi.
“At Hotpoint, our customers are at the heart of everything we do. This partnership with Britam & MIC reflects our commitment to delivering not just quality products, but meaningful value and protection long after purchase,” stated Hotpoint Appliances CEO Ravi Kanani, adding that the partnership underscores the company’s commitment to enhancing customer value beyond providing high-quality appliances
By offering automatic insurance cover at no additional cost, we are elevating the customer experience and ensuring they enjoy complete confidence in every appliance they bring home.”
“This partnership reflects our commitment to delivering innovative insurance solutions that meet the evolving needs of Kenyan households. By working with Britam and Hotpoint, we are making protection accessible and effortless, enabling customers to enjoy peace of mind from the moment they purchase their appliances, from their trusted retailer, Hotpoint,” said chief operations officer and principal officer at MIC Global Risks, Puneet Chawla.
With more than 40% of urban households in Kenya now owning at least one major appliance, a figure expected to surpass 55% by 2027 as per the 2025 Consumer Electronics and Household Report by Research ICT Africa, the need for affordable protection mechanisms has never been greater.
This collaboration leverages the strengths of each partner: Hotpoint, one of the region’s most trusted distributors of electronics and home equipment, will provide customer support and product verification through its nationwide service centres.
MIC Global Risks, an insurance broker with presence in East Africa will provide support for seamless delivery of the product offering, while Britam General Insurance, a leading provider of home and household protection, will underwrite the policy and oversee claim approvals and settlements.
This collaboration marks a significant step towards making home protection simpler, smarter, and more accessible for everyday consumers.
