KIZ Digital is Klapton Insurance Zambia’s self-service platform that enables clients and businesses access to insurance that is built for their specific needs. When we launched KIZ Digital, the vision was bold yet clear: to transform how Zambians engage with insurance. Insurance has too often been seen as complicated, time-consuming, and distant. With KIZ Digital, we wanted to break those barriers and bring cover closer to the everyday lives of our customers.
Today, as the platform gains traction, it’s worth reflecting on what KIZ Digital means—not just for Klapton Insurance Zambia, but for the broader insurance landscape in Zambia.
Why Digital Matters for Insurance in Zambia
For decades, access to insurance in Zambia has been hindered by paperwork, face-to-face meetings, and slow turnaround times. Many simply opted out. At the same time, the digital world has grown rapidly. By early 2024, Zambia had over 16.4 million active mobile connections, covering nearly 79% of the population. Yet, internet usage was much lower—just 31%. (datareportal.com)
That gap is where platforms such as KIZ Digital make a difference. Through the platform, individuals and businesses can:
- Get real-time quotes
- Secure cover instantly
- Access digital policy documents without delays
- Upload real time inspection photos
We began with motor insurance and quickly expanded to liability products, deliberately targeting markets that traditional distribution often overlooks. And this is just the start—more products will follow as we adapt to customer needs.
Driving Industry Change
The real value of KIZ Digital goes beyond convenience. It signals a shift in how insurance can and should be delivered in Zambia.
Insurance penetration here remains among the lowest in Africa—between 1.1% and 1.4% of GDP, with non-life penetration around 0.6% (africa-re.com, pwc.com). Compare this to the African average of 2.78% and the potential becomes clear.
Digital platforms like KIZ Digital are accelerators. By simplifying processes and putting control directly in the hands of customers, we make insurance not just accessible, but appealing. This is how financial inclusion grows.
Meeting Customers Where They Are
Zambia is increasingly a mobile-first society. Mobile money usage soared from 14% in 2015 to nearly 59% in 2020, while formal banking remained stuck at around 21% (voxdev.org). More than half of adults can reach a mobile money agent within a 30-minute walk—compared to just 18% for banks.
That’s why KIZ Digital was built for mobility. Whether it’s motor or liability cover, customers can secure insurance wherever they are, whenever they need it. No paperwork. No waiting. Just straightforward access. What also sets KIZ Digital apart is the way it prices insurance. Instead of a “one-size-fits-all” approach, the platform uses individual risk factors to determine fairer premiums. For motor insurance, elements such as the age of the driver, the age of the vehicle, and location all play a role. For liability cover, pricing reflects the type of business and the number of professionals involved. This means customers get cover that is tailored to their actual risk profile—transparent, relevant, and equitable.
As the industry digitises, customers must remain at the centre. Digital solutions should deliver not just speed and convenience but also trust and value. By listening to customer needs and embedding feedback, platforms like KIZ Digital can drive inclusion and build lasting loyalty.
Looking Ahead
This journey is only beginning. As mobile money adoption deepens and digital tools become part of everyday life, KIZ Digital will continue to evolve—becoming smarter, faster, and more integrated.
But the challenge is bigger than one or two platforms. For Zambia’s insurance industry to close the penetration gap, we need:
- Innovation aligned with digital adoption, ensuring solutions evolve with customer behaviours.
- Customer-centric offerings designed around the realities of how people live and work.
- Products that deliver real value, responding seamlessly when losses occur.
- Industry-wide collaboration to strengthen trust and accelerate inclusion.
More Than Technology: A Platform for Empowerment
At its heart, KIZ Digital is not just a technological solution. It is a platform for empowerment. It gives Zambians the ability to protect what matters most—with clarity, dignity, and convenience.
By embedding insurance into the digital ecosystems where people already live and transact, we are contributing to a more resilient, financially secure economy.
That is the promise of KIZ Digital—and the future direction of insurance in Zambia.
By Cynthia Simeza
CEO – Klapton Insurance Zambia