All Products +254 703 063000 Get my DMIC
Home / Products / Marine Cargo Insurance (DMIC)
General · Imports

Marine Cargo Insurance (DMIC)

Importing? Get the DMIC certificate KRA needs to clear your cargo.

Get my DMIC
Marine Cargo Insurance (DMIC)

Overview

Digital Marine Cargo Insurance (DMIC) is the marine cover Kenyan law requires for imported cargo. Without a valid DMIC, KRA will not clear your consignment — so it is not optional paperwork, it is part of getting your goods released.

You start with your Import Declaration Form (IDF) number. We pull your consignment details straight from KRA’s ICMS system, so there is no long form to fill in and no risk of your cargo details disagreeing with what the regulator already holds. You confirm the cargo and invoice details, and the Insurance Regulatory Authority prices the risk at approved rates.

Payment is made on eCitizen by M-Pesa, card or bank. Once the payment is confirmed, your certificate is issued by the Association of Kenya Insurers and transmitted to KRA automatically — and emailed to you for your clearing agent.

What’s covered

Cargo details pulled straight from KRA by IDF number
Premium set at IRA-approved rates — nothing added on top
Pay on eCitizen by M-Pesa, card or bank
AKI certificate issued and sent to KRA automatically
Certificate emailed to you for your clearing agent
Covers sea, air and road imports

Cover options

Straight-through cover

Most consignments are accepted immediately. You get your premium, pay on eCitizen, and your certificate is issued within minutes.

Insurer review

Higher-value or flagged consignments go to the insurer for approval first. We email you as soon as they decide, with a link straight to payment if it is approved.

Ready to get covered?

Get an instant quote for Marine Cargo Insurance (DMIC) and buy online in minutes.

Get my DMIC
  • Regulated by the IRA
  • Secure M-Pesa & card payments
  • Instant policy documents

Related plans

Marine Cargo Insurance Exports & non-IDF cargo

Frequently asked questions

The Digital Marine Cargo Insurance certificate is the marine cover required by Kenyan law for imported cargo. KRA will not clear your consignment without a valid one, so any importer needs it.

DMIC is the compulsory, regulator-driven cover for imports: your cargo comes from KRA by IDF number and the premium is set by the Insurance Regulatory Authority. Our standard Marine Cargo product also covers exports and cargo without an IDF, and is priced by AAR.

Just your IDF number. We retrieve the consignment, cargo items and importer details from KRA, and you confirm them before we ask IRA for a premium.

The Insurance Regulatory Authority, at approved rates. The amount you see is the exact amount you are invoiced on eCitizen — AAR does not add anything to it.

Through eCitizen, by M-Pesa, card or bank. eCitizen is the only permitted payment channel for DMIC, and your certificate is only issued once your payment is confirmed there.

As soon as eCitizen confirms your payment. The certificate is issued by AKI, sent to KRA for clearance automatically, and emailed to you as a PDF.

A consignment can only be covered once. If your IDF already carries marine cover, that existing certificate stands and you do not need to buy another.

Get your Marine Cargo Insurance (DMIC) cover today

Quote and buy online in minutes — no paperwork.

Get my DMIC