Personal Line Insurance

Burglary Insurance

This policy covers the cost of replacing your lost items if there is actual forcible or violent breaking into or exit from your home or any other insured premises. It also covers the damage to your insured premises as a result of this forcible entry or exit

Fire & Allied Perils Insurance

Fire and Allied Perils policy covers you against the loss or damage of your personal or commercial property as a result of fire, lightning, or other allied perils including:

Explosions – Covers domestic explosions and associated fires. This excludes steam generating boilers, economisers or other vessels, machinery or apparatus or their contents resulting from their own explosion or implosion.

Windstorms – Covers complete roofed buildings and contents thereof. This excludes partially constructed building and good stored in the open.

Earthquakes or volcanic eruptions – Covers against loss or damage caused either by earthquake shock and fire or volcanic eruption.  

Burst Pipes – Bursting or overflowing water tanks, apparatus or pipes.

Floods – Covers against severe weather conditions that cause loss or damage due to rapid rise in water levels.

Aircraft damage and/or articles – Covers loss, destruction or damage caused by aircraft, other aerial or space devices and articles dropped from them. This excluding those caused by pressure waves.

Impact damage – Covers loss of or visible physical damage or destruction caused to your insured property due to impact by any rail/road vehicle or animal by direct contact.

Optional benefits.

• Direct loss or damage to your property that is caused by strikers and/or riots.
• The loss or damage to your property caused by any malicious act.

Home Insurance

The home could be one of the biggest purchases one may ever make and it also provides safe haven for the entire family, one’s possessions, etc. With this in mind and regardless of whether it’s mortgaged or owned outright, it’s important to protect it against known risks such as fire, subsidence, impart, flooding and many more. Burglary could also cause lose to some valuable possessions you may find it difficult to replace either immediately or in a long while.

Losing your home and contents to fire, flood, burglary or any other equally disastrous event is bad enough, but finding out you don’t have an insurance would be much devastating!

Motor Insurance (Vehicle)

Whatever your budget or needs, we are offering you four types of motor insurance to choose from. Pick the cover you want, at a price you can afford. Be assured of the best deal as you’ve chosen our platform for your search:

Personal Accident

An accidental or Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Personal Accident Insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens

 

Scope of cover:

• Death
• Permanent Disability
• Temporary Total Disability
• Medical Expenses

You may also choose to add on the following

• Exposure – to elements, starvation and/or thirst
• Disappearance
• Burns Disfigurement
• Life support system (not less than 3 consecutive days)

Phone / Tablet Insurance

The mobile phone / tablet is covered against theft and accidental physical damage during the insured period.
Accidental means an unfortunate incident that you could not foresee that happens unexpectedly and unintentionally at an identifiable time and place.
In event of the mobile phone/ tablet been stolen or accidentally damaged the insurance will replace or repair the item.

Cover types:

Accidental Damage Only – covers accidental damage to your insured mobile phone/ tablet such as cracked screen, water damage and the like. Theft of the insured mobile phone/ tablet is not covered.
Comprehensive – covers accidental damage and theft of your insured mobile phone/ tablet.

Travel Insurance

Whether you’re making a business travel, a last minute getaway, heading off on the annual family shindig or embarking on an exciting around-the-world adventure, travel insurance is a must. It provides protection against the risks involved in travelling abroad and ultimately ensures you aren’t left stranded and destitute if the worst should happen.

Most of the travel policies currently are provided in partnership with foreign insurers, which make it an international policy that covers any risk you face when travelling outside of this country. This partnership gives you access to one of the largest global medical assistance networks in the world in event of a medical help while you are away.

 

Though there is customised limit of cover up to about $150,000.00, most Travel Insurance pay up to a maximum of EUR 30 000, for the following benefits:

• Medical expenses and hospitalisation abroad
• Transport or repatriation in case of illness or accident
• Emergency dental care
• Repatriation of family member travelling with the insured
• Travel of one immediate family member
• Repatriation of mortal remains
• Emergency return home following the death of a close family member
• Delivery of medicines
• Relay of urgent messages
• Advance of funds
• Legal defence
• Loss of passport, driving license or national identity card abroad
• Compensation for delay in the arrival of luggage
• Location and forwarding of baggage and personal effects
• Delayed departure