Motor Combined Insurance Policy - Covers the individual’s vehicles against own damage and third party liabilities under the following options:

• Comprehensive Cover – covers insured’s vehicle against own damage in the event of an accident, theft of vehicle and its accessories, damage to windscreen as a result of the accident or flying objects, car hire (optional), third party property damage and bodily injury, passenger liability injuries and/or death.
• Full Third Party, Fire and Theft– covers own damage as a result of fire and/or theft of the vehicle and its accessories, third party property damage and bodily injury.
• Full Third Party Only – covers third party property damage and bodily injury only. Laid up Cover – cover is suitable for vehicles not driven on the road e.g. vehicle stored in a warehouse or garage or never used.

Motor Excess Buy Back Insurance Policy - Covers all excesses including voluntary and compulsory excesses. These include excesses for driver’s ages and licenses.

Homeplan Insurance Policy - Our homeplan offers the widest choice of domestic insurance needs. The covers available under this product line are as follows:

• Houseowners– covers the individual person’s fixed property that comprises of the main houses, sub buildings and fences, electric gates and its motors, swimming pool pumps and borehole pumps against risks such as fire and allied perils like water damage, storm and lightning. Cover is also extended to liability incurred as a property owner to other parties e.g. tree falling on next door property.
• Householders – covers the contents in the building against fire & allied perils and theft . Cover is also extended to liability as tenants i.e. damage to landlord’s building or property. The policy have free extensions that includes amongst others cover deterioration of food stocks in the refrigerator following a breakdown, theft of outdoor laundry, theft of garden furniture, loss or damage to guests property, loss or damage to domestic workers’ property.
• Personal All Risks – covers all items normally worn or carried by individuals whilst travelling. Cover is on worldwide basis and includes theft, lightning and any form of damage.
• Personal Accident – covers the policyholder only against accident bodily injury resulting in death, permanent or temporary disablement as well as medical bills.
• Marine Small Craft – covers individuals’ household boats against own damage and liability incurred.
• Golfers Policy– Covers the individual persons whilst playing golf against loss or damage of personal goods, golfing equipment and liability to other people as well as accidental damage. The policy also provides cover for hole in one cash reimbursement as a gesture of good will.