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.