Low-cost insurance offers new hope for Kenya’s boda boda operators

Kenya’s boda boda riders, a crucial force in the country’s mobility and delivery sector, continue to face significant financial risks due to inadequate insurance coverage.

Expendo Mobility, a rising player in the micro-insurance space, is stepping in to bridge this gap with affordable and flexible insurance products tailored specifically for informal workers.

According to Expendo Mobility Director Paul Mwandoe, traditional insurance options have largely failed to accommodate the realities of gig economy workers.

“Many riders operate in high-risk environments with minimal or no coverage in case of accidents, injuries, or medical emergencies. Traditional insurance is often too expensive, rigid, or complicated for their needs,” Mwandoe said.

To address these challenges, Expendo has introduced Hosi Bill, a low-cost insurance plan designed for boda boda riders.

For as little as Ksh.50 per week, the cover provides financial protection against hospital bills, accident-related injuries, and last-expense benefits. Mwandoe emphasized that accessibility and simplicity are key to its success.

“Hosi Bill is highly flexible, affordable, and requires no complex paperwork. Riders don’t need to worry about long claim delays or fine print exclusions,” he said.

Beyond individual insurance plans, Expendo is working closely with SACCOs and mobility companies to expand its reach.

Through partnerships with organizations such as Kiri EV, Ebikes Africa, Green Wheels and boda boda associations across the country, the company aims to integrate its insurance offerings into fleet management, ensuring more riders are covered as part of their daily work routine.

David Gaitho from Juja had his bill cleared at Thika as well. Simon Nderu, an official of Girhurai 45 Boda Boda Association had his bill cleared at St. John Hospital, Githurai.

Mwandoe said such success stories highlight the urgent need for more inclusive insurance solutions. “Riders now have access to insurance support that was previously out of reach. They can ride with confidence knowing that if they fall, Expendo will help them stand again—financially and physically,” he said.

Mwandoe believes insurance can play a role in promoting safer roads by encouraging more responsible riding.

“Insurance offers a financial buffer and peace of mind, encouraging safer riding behavior. Riders are more cautious when they know there’s a structure in place to support them—not just penalize them,” he noted.