Motor Policies
1. These will include Saloons, Station wagons, Estates, and the large Four Wheel Drives(4X4).
2. The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
2. The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
1. These will range from small half ton pickups to the large monster trucks on the roads., vans and company/school buses.
2. The key aspect here is that the vehicles must only be used for the insured business only and will exclude all usage for hire or reward e.g. taxis, matatus and any general carriage of goods for reward. Carriage of passengers is usually excluded in this class but can be bought back at a modest fee
2. The key aspect here is that the vehicles must only be used for the insured business only and will exclude all usage for hire or reward e.g. taxis, matatus and any general carriage of goods for reward. Carriage of passengers is usually excluded in this class but can be bought back at a modest fee
Used for the insured’ business only.
Third Party Only (TPO)
This is the basic and minimum cover available. It provides for
liability to third parties only in respect of bodily injury and
damage to third party property. It is the mandatory cover that a
motorist should have.
Third Party Fire & Theft (TPF&T)
This cover extends cover the insured’s vehicle against the risks of
fire and theft, including partial theft.
Comprehensive Insurance
This is a superior cover to all the others as in addition to TPF&T, it
extends to cover any other accidental damage to the vehicles
including collision, overturning, effects of floods, Earthquakes etc.
Other Policies
1. The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident. It goes on further to cover individuals if the injury as a sole cause results in death or disablement.
2.This cover may be extended, at an additional charge, to include additional risks such as riot & strikes
2.This cover may be extended, at an additional charge, to include additional risks such as riot & strikes
1.This is a package cover designed especially for your residence.
2.It is arranged to cater for almost everything you have worked hard for in your household including: The buildings, home contents (furniture, clothing, kitchen equipment cutlery etc.), electronics (TVs, videos, cameras, watches, music systems etc.) , domestic servants (indoor and outdoor), sports equipment (golf, squash, riding etc.) and pets.
Scope of Cover
1.Fire, theft
2.Accidental damage liability to third parties
3.Occupational accidents (death or illness to the servants as per the Workmen’s Compensation Act, including your liability as an employer at common law for acts of negligence)
4.Pet accident / disease / burglary / epidemic, emergency slaughter, transit of pet.
2.It is arranged to cater for almost everything you have worked hard for in your household including: The buildings, home contents (furniture, clothing, kitchen equipment cutlery etc.), electronics (TVs, videos, cameras, watches, music systems etc.) , domestic servants (indoor and outdoor), sports equipment (golf, squash, riding etc.) and pets.
Scope of Cover
1.Fire, theft
2.Accidental damage liability to third parties
3.Occupational accidents (death or illness to the servants as per the Workmen’s Compensation Act, including your liability as an employer at common law for acts of negligence)
4.Pet accident / disease / burglary / epidemic, emergency slaughter, transit of pet.
1. Most jurisdictions have statutory workplace injury compensation laws that require you to insure employee health & safety risks.
2. To protect you from potential compensation lawsuits and obligations, we first confirm the categories of staff that you have and match the different job risk levels to risk premium ratings. Workplace safety and loss prevention programs also contribute to savings on your insurance premiums.
3. This ensures that you’ll not be overpaying premiums nor exposing the organization by under-insuring workplace risks
2. To protect you from potential compensation lawsuits and obligations, we first confirm the categories of staff that you have and match the different job risk levels to risk premium ratings. Workplace safety and loss prevention programs also contribute to savings on your insurance premiums.
3. This ensures that you’ll not be overpaying premiums nor exposing the organization by under-insuring workplace risks
1. Whether you are a logistics business or an importer who is part of the increasingly complex supply chain of global trade, marine insurance exists to ease the safety concerns of these supply chains.
2. Transportation of goods by sea, road, rail, air and pipelines is associated with numerous risks from accidents, piracy, fire, weather and other unforeseen events.
3. Goods in transit cover, marine cargo, marine liability, project cargo and haulers insurance are all forms of marine insurance that protect transit vehicles plus their consignments from point of departure up to final delivery
2. Transportation of goods by sea, road, rail, air and pipelines is associated with numerous risks from accidents, piracy, fire, weather and other unforeseen events.
3. Goods in transit cover, marine cargo, marine liability, project cargo and haulers insurance are all forms of marine insurance that protect transit vehicles plus their consignments from point of departure up to final delivery
The increase in international travel has meant that risks associated with it have grown. This coupled with the high cost of medical care abroad has made travel insurance vital for any traveler.
Some of the benefits you will enjoy include:
1. Financial Loss and / or expenses incurred if your trip is cancelled or delayed because of unavoidable circumstances.
2. Emergency medical, surgical or dental expenses incurred during travel; costs of returning home by Air Ambulance or other medically appropriate means; cost of return or mortal remains or repatriation or cost of funeral where death occurs.
3. Where the insured is hospitalized as a direct result of an accident or illness covered under this policy.
Some of the benefits you will enjoy include:
1. Financial Loss and / or expenses incurred if your trip is cancelled or delayed because of unavoidable circumstances.
2. Emergency medical, surgical or dental expenses incurred during travel; costs of returning home by Air Ambulance or other medically appropriate means; cost of return or mortal remains or repatriation or cost of funeral where death occurs.
3. Where the insured is hospitalized as a direct result of an accident or illness covered under this policy.
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