Protecting What Matters Most

Harambee Sacco Insurance Agency was established in 2021 to enhance the financial well-being and security of its members by offering convenient, affordable, and member-focused insurance services. The main reasons for its formation include:

• To Provide Accessible Insurance Services to Members - Many Sacco members faced challenges accessing insurance services from external providers. By forming its own insurance agency, Harambee Sacco made it easier for members to access insurance products directly through the SACCO.
• To Tailor Insurance Products to Member Needs - The agency was created to design and offer insurance products specifically suited to the lifestyles and financial capacity of SACCO members—covering areas like motor, life, health, and property insurance.
• To Promote Financial Inclusion and Protection - By integrating insurance into the SACCO ecosystem, the agency helps ensure that members are financially protected against unexpected events such as accidents, illness, or loss of property.
• To Generate Additional Revenue for the SACCO - Operating an in-house insurance agency allows Harambee DT SACCO to earn commissions from insurance sales, creating a new revenue stream that supports the SACCO’s sustainability and growth.
• To Strengthen Member Loyalty and Satisfaction - Offering value-added services like insurance improves overall member satisfaction and strengthens loyalty, as members can access multiple financial services under one roof.

Registered members of Harambee DT SACCO and non-members can access the Insurance services.

Members of Harambee DT SACCO can get onboarded to Harambee Insurance Services through a simple and member-friendly process designed to ensure ease of access and convenience. The onboarding process typically includes the following steps:

• Membership with Harambee DT SACCO - Registered members of Harambee DT SACCO are eligible to access insurance services through the Harambee Insurance Agency. The service is also available to non-members.
• Needs Assessment and Product Selection - The client engages with a Sacco insurance officer or agent, who helps assess their insurance needs—whether it's for motor, health, life, property, or other types of cover. The agent then recommends suitable insurance products.
• Application and Documentation - The member completes a simplified insurance application form. They may be required to submit basic documents such as:
  • Copy of ID
  • Vehicle logbook (for motor insurance)
  • Valuation report (if needed)
  • Medical records (for health insurance)
  • Any other relevant documents depending on the product
• Quotation and Premium Payment - The agency provides a quotation based on the selected cover. Members can pay premiums directly through their SACCO account or via other convenient payment methods (e.g. mobile money or bank transfer).
• Policy Issuance - Once payment is confirmed, the insurance policy document is issued. The member receives a copy of the policy outlining the coverage, terms, and conditions.
• Ongoing Support and Claims Assistance - After onboarding, members receive ongoing support including:
  • Policy renewals
  • Claims processing assistance
  • Customer service support through the SACCO branches or call center

The agency offers a wide range of insurance products including:

• Motor insurance (Comprehensive & Third-Party)
• Life insurance
• Health insurance
• Funeral cover
• Property insurance
• Travel insurance
• Group covers for chamas and cooperatives

You can apply by visiting any Harambee DT SACCO FOSA branches, speaking to an insurance officer, or filling out a request through the SACCO’s official website or mobile platform (if available). You'll need to provide necessary documents and select a suitable cover.

Yes. Premiums can be paid directly through your Harambee DT SACCO Account or other accepted payment methods such as mobile money or bank transfers.

Once all required documents are submitted and payment is made, most policies are issued within 1 hour, depending on the product and insurer.

Contact the SACCO’s insurance desk or customer service immediately. They will guide you through the claims process, including documentation, assessment, and follow-up with the insurer.

Yes. The agency provides continuous support including policy renewals, claims assistance, and customer service throughout the life of your cover.

Yes. The agency offers group policies tailored for chamas, cooperatives, and employee groups at discounted rates.

As a member-centric agency, Harambee offers:

• Personalized service
• Affordable group-negotiated premiums
• Easy access through Sacco branches
• Help with claims processing