AMACO (Africa Merchant Assurance) Contacts: Customer Care Number, Paybill, Email and Branches

Updated 25 October 2026

Africa Merchant Assurance Company (AMACO) can be reached on 020 220 4000, on mobile 0792 256 233 or 0738 312 121, and by email at customercare@amaco.co.ke. To report a claim, call 0725 951 951 or email claims@amaco.co.ke. Premiums can be paid to M-Pesa paybill 542542 (account 858500) or till 4106404. The head office is on the 4th floor of NextGen Mall in Nairobi, and AMACO lists 26 offices across Kenya.

AMACO Contacts at a Glance

These details come from AMACO’s official website (contacts, branches, FAQs and claims pages), checked on 25 October 2026.

About AMACO

AMACO is incorporated in Kenya and licensed to transact general insurance business. It says it was licensed and began full operations in 2000. Its main covers include motor insurance (comprehensive and third party only), travel cover, domestic package for homes, personal accident and student personal accident cover, plus bonds such as bid bonds (tender security) and immigration bonds. It also runs online portals for clients, agents and marine cover. For how AMACO compares with the largest firms, see our list of the biggest insurance companies in Kenya.

AMACO Branches

All branches share the main number, 020 220 4000.

How to Pay an AMACO Premium

AMACO’s FAQ lists four ways to pay:

• M-Pesa till 4106404: the quickest option, which AMACO says carries no extra charge.
• M-Pesa paybill 542542, account number 858500: for direct premium payments.
• Cheque: payable to Africa Merchant Assurance Company (AMACO).
• RTGS or EFT: direct bank transfer. Ask the branch for the account details.

Keep your M-Pesa message and share it with your branch or agent so the payment is linked to your policy. If you are new to paybills, see our guide to paying a paybill with M-Pesa.

How to Report a Claim

The FAQ asks you to report a claim within 24 hours by calling 0725 951 951, emailing claims@amaco.co.ke or visiting a branch. The claims page gives a longer limit for motor and goods-in-transit losses: within 48 hours and no later than 7 days. Report as early as you can so you stay inside both.

Motor Claims

1. Fill in the claim notification form, and call or email the claims department.
2. Send the claim form, a police abstract (how to get a police abstract) and a copy of your policy schedule.
3. For a comprehensive cover, take the vehicle to a garage on AMACO’s panel for assessment. A loss adjuster may be appointed to advise on liability and the amount.
4. AMACO issues a discharge voucher, which is its settlement offer.
5. After repairs, the car is re-inspected and you pay the policy excess before it is released.

AMACO notes that the Insurance Act allows 90 days to settle once all documents are in, and says it aims to settle within 30 days.

Windscreen Claims

You have two options. Either AMACO authorises a replacement at a glass dealer after you fill in the windscreen form and pay a reinstatement fee of 10% of the windscreen limit, or you replace it yourself and claim, sending photos of the damaged and new windscreens (with the number plate visible) and an ETR receipt. In that case the 10% reinstatement amount is deducted from the payout.

WIBA and Group Personal Accident Claims

Send the claim form, the injured person’s ID, three months of payslips before the accident, original medical receipts, the muster roll, labour department forms (LD 104, LD 105 or LD 108 depending on the injury) and a copy of the policy schedule.

Student Personal Accident Cover Prices

AMACO publishes prices for its cover for students on attachment or internship. It pays for accidental injuries, medical expenses, disability and accidental death at the place of attachment.

Before You Buy

For motor cover, use our car insurance premium estimator to get a rough figure, then ask AMACO or a licensed agent for a written quote. Check the excess, the windscreen limit and whether political violence is included. You can compare other insurers’ contacts, such as CIC Insurance contacts and Monarch Insurance contacts.

Searching for insurance jobs? See current vacancies on JobinKenya.

Frequently Asked Questions

What is the AMACO customer care number?

Call 020 220 4000, or 0792 256 233 or 0738 312 121, or email customercare@amaco.co.ke.

What is the AMACO paybill number?

Paybill 542542 with account number 858500. You can also pay through till 4106404.

How do I report an AMACO claim?

Call 0725 951 951, email claims@amaco.co.ke or visit a branch, ideally within 24 hours of the loss.

Where is the AMACO head office?

On the 4th floor of NextGen Mall in Nairobi.

How many branches does AMACO have?

Its branches page lists 26 offices, including the head office, from Mombasa and Malindi to Kisumu, Eldoret and Meru.