⚠️ Does not cover insurance-policy-specific terms (policy issuance, claims handling, cancellation rights, IRA regulatory disclosures), which are typically separate, product-level documents. Recommend legal/compliance review before publishing.
1. Introduction
1.1 These Terms and Conditions (“Terms”) govern your use of the Pioneer Insurance Holdings Limited (“Pioneer,” “we,” “us,” “our”) website located at pioneerinsurance.co.ke (the “Website”).
1.2 By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this Website.
1.3 These Terms should be read together with our Privacy Policy and Cookie Policy.
2. Use of This Website
2.1 This Website is provided for general information about Pioneer’s products and services, and to allow you to interact with us (e.g. requesting a quote, submitting a claim, or contacting us).
2.2 You agree to use this Website only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this Website by any third party.
2.3 You must not:
- Use this Website in any way that could damage, disable, overburden, or impair it
- Attempt to gain unauthorised access to any part of this Website, other accounts, or computer systems connected to this Website
- Introduce viruses, trojans, worms, or other material that is malicious or technologically harmful
- Use any automated system (including “robots” or “spiders”) to access this Website without our express written consent
3. No Insurance Cover Created by Website Use
3.1 Browsing this Website, requesting a quote, or submitting an enquiry does not constitute an offer of insurance cover, nor does it create a binding contract of insurance.
3.2 An insurance policy is only formed once Pioneer has issued a formal policy document to you and any applicable premium has been received, in accordance with our standard underwriting and acceptance procedures.
3.3 Any product descriptions, premium indications, or other information on this Website are for general guidance only and do not constitute a full statement of the terms, conditions, and exclusions that apply to any specific policy.
4. Accuracy of Information You Provide
4.1 When submitting any form on this Website (including quote requests, claims, or general enquiries), you agree to provide accurate, current, and complete information.
4.2 Providing false or misleading information may affect the validity of any resulting policy or claim, and may constitute fraud under applicable law.
5. Intellectual Property
5.1 All content on this Website, including text, graphics, logos, images, and software, is the property of Pioneer or its licensors and is protected by applicable intellectual property laws.
5.2 You may view and download content from this Website for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.
6. Third-Party Links
6.1 This Website may contain links to third-party websites, including partner organisations, service providers, and the Customer Portal. These links are provided for your convenience only.
6.2 We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites. Accessing a linked website is at your own risk.
7. Limitation of Liability
7.1 We make reasonable efforts to ensure the information on this Website is accurate and up to date, but we make no warranties or representations, express or implied, as to its accuracy, completeness, or reliability.
7.2 To the fullest extent permitted by law, Pioneer shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, this Website.
7.3 Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable Kenyan law.
8. Availability of the Website
8.1 We aim to keep this Website available at all times, but we do not guarantee that it will be free from interruptions, errors, or downtime, and we accept no liability for any unavailability of the Website.
8.2 We reserve the right to suspend, withdraw, or restrict access to all or part of this Website for business or operational reasons, at any time and without notice.
9. Changes to These Terms
9.1 We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. The updated version will be posted on this page with a revised “Last Updated” date.
9.2 Your continued use of this Website after any changes constitutes your acceptance of the updated Terms.
10. Governing Law and Jurisdiction
10.1 These Terms are governed by and construed in accordance with the laws of the Republic of Kenya.
10.2 Any disputes arising from or relating to these Terms or your use of this Website shall be subject to the exclusive jurisdiction of the courts of Kenya.
11. Contact Us
If you have any questions about these Terms, please contact us at:
Email: info@pioneerassurance.co.ke / info@pioneerinsurance.co.ke
Phone: 0207220131 / Mobile: 0723479848
These Terms and Conditions should be read together with our Privacy Policy and Cookie Policy.
