Get an instant estimate
A quick, ballpark number to start with — your real, underwriting-computed quote takes about two minutes in the application flow.
Trusted by Leading Global and Regional Underwriters
Why Twicover
Digital Insurance Without Compromise
Fully Digital
Apply online from anywhere without visiting a branch.
Instant Policy Issuance
Receive your quotation, make payment, and obtain your policy certificate within minutes.
Intelligent Claims
Submit claims digitally and track every stage in real time.
Secure by Design
Enterprise-grade security protects your personal information and policy documents.
Trusted Underwriting
Insurance products are backed by established insurers with strong financial ratings.
About Twicover
Building the Future of Insurance in Africa
Twicover is a next-generation digital insurance platform connecting individuals, businesses, and institutions with trusted insurance providers through one intelligent ecosystem.
Our platform eliminates traditional paperwork and manual processes by automating quotation, underwriting, policy issuance, payments, renewals, and claims management. Whether protecting personal belongings, commercial operations, or high-value collections, Twicover delivers insurance that is fast, transparent, and accessible.
Designed for East Africa and built to international standards, Twicover combines advanced technology with partnerships across leading insurers to simplify insurance for the modern customer.
How It Works
From application to policy in minutes
- 1
Choose Insurance
- 2
Complete Online Application
- 3
Receive Instant Quote
- 4
Compare Cover Options
- 5
Pay Securely
- 6
Policy Issued Instantly
Why Businesses Choose Twicover
- Policy Issuance
- <5 Minutes
- Digital Process
- 100%
- Paperwork
- 0%
- Online
- 24/7
- Supported Products
- 8
- Partner Insurers
- Multiple
Policy Issuance
Digital Process
Paperwork
Online
Supported Products
Partner Insurers
High Value Insurance
Protection for Extraordinary Assets
Twicover provides specialist insurance for valuable collections and unique assets requiring expert underwriting.
Luxury Watches
Fine Art
Gold
Diamonds
Supercars
Wine Collections
Classic Vehicles
Museum Collections
Technology Platform
Insurance Powered by Technology
- ✓Digital onboarding
- ✓AI-assisted underwriting
- ✓Secure online payments
- ✓Instant policy generation
- ✓Automated renewals
- ✓Digital claims
- ✓Real-time policy management
- ✓Secure document vault
- ✓API integrations
Industries We Serve
Built for organizations of every kind
What Our Customers Say
Trusted across every customer type
“Insuring our jewelry used to mean weeks of paperwork. With Twicover we had a policy the same afternoon.”
— Family Protection customer
“Managing cover for our small team is finally simple — everything is in one place, online.”
— SME customer
“Fast quotes and clear terms mean our fleet is never left exposed between renewals.”
— Logistics Company customer
“Specialist cover for a growing collection, without the back-and-forth of a traditional broker.”
— Art Collector customer
“High-value stock needs underwriters who understand it — Twicover made that straightforward.”
— Gold Dealer customer
Insights
Latest Articles
Understanding High-Value Asset Insurance
Jewelry, fine art, gold, and luxury watches rarely fit neatly under a standard home or renters policy — here's what actually matters when insuring them properly.
Cyber Risk in East Africa
As mobile money, e-commerce, and cloud adoption grow across the region, so does exposure to digital fraud, data breaches, and business interruption from cyber incidents.
Marine Cargo Insurance Explained
Whether goods move by sea, air, or road as part of an international shipment, cargo is exposed to a distinct set of risks from the moment it leaves the warehouse to final delivery.
Choosing the Right Medical Cover
Individual and family medical policies differ in more than just price — here's what actually drives the right choice for your situation.
Protecting Business Assets
Property, equipment, fleet, and liability exposures each carry a different risk profile — a single generic policy rarely covers a growing business well.