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Your non-technical guide to understanding the intelligent insurance platform.

Buying & Managing Policies

How does the Compare Tool work?

MSpace hosts multiple insurance underwriters. When you enter your car's value, our Aggregation Robot instantly calculates the exact government levies (like PCF) and lists quotes from every active provider sorted from cheapest to most premium. You can buy directly from the list.

What is Premium Financing (BNPL)?

Instead of paying M-Pesa KES 100,000 upfront, simply select Buy Now, Pay Later at checkout. You only pay a 15% deposit today. Your policy is activated immediately, and the remaining balance is paid in small monthly installments over 6 to 9 months seamlessly.

Filing Claims Automatically

How do I report a Car Accident?

Simply take 4 pictures of your crashed vehicle and upload them on the portal. Our AI Vision System automatically scans the structural damage, calculates a repair estimate, and instantly dispatches a Tow Truck and Assessor to your exact GPS location via SMS.

How fast will I get paid?

InsurFlow integrates natively with M-Pesa. Once a claim is legally approved by the Assessor, the PayWallet Engine bypasses human banking delays and instantly drops the cash settlement directly into your mobile phone via an automated B2C transfer within seconds.

Ecosystem Features

What is a P2P Chama Pool?

A Chama is a community-driven insurance pool. 50 friends can contribute KES 2,000 each into a central transparent wallet. If a member's laptop is stolen, they request a claim. The other 49 members receive an SMS to Vote Yes or No. If 51% approve, the system automatically pays out the claim!

How does Apple Health Vitality work?

If you have an MSpace Health Policy, you can track your daily steps using your Smartwatch. Our AI reads this data. If you hit your fitness goals (e.g., 10,000 steps a day), the system automatically rewards you with Premium Discounts and No-Claim Bonuses upon policy renewal.

Flight Delay Insurance

If you buy Travel Insurance, you never have to file a claim. Our AI connects directly to Global Aviation Radars. If your flight is delayed by more than 3 hours, the AI detects the delay automatically and sends compensation straight to your M-Pesa while you're still waiting in the airport lounge.

Can someone fake a claim?

No. MSpace employs a heavily fortified Shared Fraud Intelligence Bureau. If a fraudster uploads a Google Image to fake an accident, our Forensics AI detects the hidden image data and permanently blocks their National ID across all insurers on the platform.