Section A: Buildings
It covers residential buildings including landlords’ fixtures, fittings, perimeter wall, gate and fences, all on the same premises against fire, earthquake, storm and lightning, riot, strike and malicious damage, explosion of domestic gas cylinders bursting and overflowing of water tanks, apparatus, pipes and impact by road vehicles and animals.
Section B: House Hold Contents
This section covers the home owners’ contents including furniture, household goods and personal effects of every description, the property of the insured or that of any member of his family normally, residing with him, fixtures and fittings of the insured’s or for which he is legally responsible. The property is covered against fire, theft following forcible entry or exit, earthquake, storm and lightning, riot, strike and malicious damage, explosion of domestic gas cylinders, bursting and overflowing of water tanks, apparatus, pipes and impact by road vehicles and animals.
This covers accidental damage and theft to specified portable items which are carried outside the house such as jewellery, electronic items like mobile phones, laptops, tablets and cameras. Etc
This covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work Injury Benefit Act (WIBA).
This policy will indemnify the insured against any such liability incurred thereby under the Employer’s Liability Common Law Tort, which indemnity shall be limited to settlement of such awards except exemplary and punitive damages as may be awarded in judgments passed by competent courts in Kenya against the insured for such liability. Limit Kshs. 500,000/-
This section covers the home owner against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property.
This section covers the home occupier against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property.
Motor Private insurance
Provide insurance cover against loss or damage to the motor vehicle caused or arising out of accidental collision, or overturning, or total theft. The policy extends to cover damage to third party property arising out of or caused by use of insured’s motor vehicle. We offer Motor comprehensive, Third party insurance and Third-party Fire & theft insurance covers.
Comprehensive Benefit Extensions:
- Emergency Medical Expenses to driver or passengers or pedestrians following an accident
- Personal Accident to the Insured person only
- Excess Protector
- Towing & Recovery
- Radio Cassette & DVD Extension
- Windscreen/Window Glass Extension
- Political Violence and Terrorism
- Courtesy car for 10days or 20days
Health matters concern every family. Unpreparedness in the event of health crisis can cause severe financial impact on a family.
You’re more important to us and we aim to protect your health and wealth and by doing so ensuring you have peace of mind.
An individual or family medical insurance policy helps cushion the family against this risk. There are local and international policies in the market to fit all budgets. This provides insurance cover for Medical expenses for;
- Last expense
Motor cycle insurance
Provides protection against accidental loss or damage to motorcycles and accessories, as well as protection against legal liability to third parties. Coverage provides comprehensive, Third party fire & theft or third party only.
We also have personal accident cover for the rider.
The sportsman insurance product covers the loss of, or damage to sports equipment and personal effects. The policy can be extended to cover: personal accident, death, temporary or permanent disablement, third party liability and medical expenses whilst the insured is in any sports arena. Hole-In-One Cover- Pay your club-bar bill in the event you a score a hole-in-one.
Travel insurance covers travelers for unexpected medical expenses when they are overseas. Travel insurance provides coverage for unexpected risks and financial losses that can occur before a trip starts and while you are traveling, including medical emergencies, cancellations and loss of luggages. It is purchased for short and long trips and it can be arranged for families, students and groups.
There are many products in the market to cater for the unique needs of the insuring public. One must take time to ensure that the product they purchase is suitable for their long-term needs.
There are policies to cover mortgages and loans, children education, investments among many others Individual life
Insurance policy covers any animal kept not for economic gain but for the owner’s comfort, e.g. Dogs, Cats.
Summary of Cover
The insurance will pay the owner of the animal should the animal die in any of the following circumstances:
- Accidental death caused by lightening, internal and external injuries,
- windstorm, snake bite, electrocution or flooding etc.
- Illness or disease
- Widespread outbreak of an infectious disease affecting many animals at the same time in a region.
- Where your animal is in a great deal of pain and there is no chance of a favorable outcome, the pet can be put to sleep on advice of a qualified veterinary surgeon to prevent suffering.
- Straying and Theft risks
- Where a pet leaves its home, stolen and cannot be traced and is presumed dead after 14 days, agreed value of the pet will be paid, if it does not have a definite value, then market value of the pet will be paid.
- Medical expenses incurred as a result of illness and/or accident where treatment is carried out by a qualified veterinary surgeon.