About Expendo
Our Story
Expendo is a Kenyan insuretech company built to serve the everyday realities of boda boda riders and informal sector workers. We exist to make insurance simple, affordable, and accessible for people who earn daily and often live without financial safety nets.
By designing products that fit how people actually earn and spend, Expendo removes the complexity and high costs that have traditionally locked informal workers out of insurance.
Our Mission
To transform asset protection for Africa's gig economy by enabling boda boda riders to access affordable, flexible insurance through digital financing and seamless acquisition.
We safeguard riders' livelihoods while driving scalable growth, financial inclusion, and measurable social impact in local transportation ecosystems.
Our Approach
High-Impact, Low-Cost Protection
Our platform focuses on high-impact, low-cost protection products delivered through mobile technology and trusted community networks. From personal accident and funeral cover to pay-as-you-go asset insurance, we enable riders to stay protected through small, flexible contributions—daily, weekly, or monthly.
We partner with licensed underwriters, healthcare providers, SACCOs, and rider associations, allowing us to scale quickly while remaining capital-light and compliant.
Our Products
Hosi Bill
Personal Accident & Funeral Cover
Pay-as-you-go protection matching how riders earn. From KES 50/week with coverage up to KES 100,000 for hospital bills.
Tari
Death-Benefit Cover
Help families handle funeral expenses with dignity. From KES 500/month, receive up to KES 100,000 payout to next of kin.
Ride-60
Motorcycle Insurance for Individuals
KES 1,000 deposit + KES 60/day for 60 days. Comprehensive insurance without large upfront burden.
Ride-86
Motorcycle Insurance for SACCO Members
KES 86/day for 60 days. Leverage collective bargaining benefits through your SACCO membership.
