• MARINE CARGO INSURANCE

     

    We provide cover against problems that arise, whilst on sea or air which include fire, theft, collision, and a wide range of problems that may cause damage, loss or education to your goods/cargo.

  • MOTOR INSURANCE
    MOTOR INSURANCE

     

    This policy would cover your motor vehicles against the risks of fire, theft and accidental damage. The policy would also cover third party liability as per Statute plus an extension to cover property damage,

  • FIRES & SPECIAL PERILS
    FIRES & SPECIAL PERILS

     

    Your buildings and contents therein could be insured under a fire and special perils policy to cover the risks of accidental fires by whatever nature plus damage to the same as a result of riots,

  • WORKERS COMPENSATION
    WORKERS COMPENSATION

     

    All categories of employees are covered in event of accidental death or bodily injury/disease during the course of their employment.

What is the difference between comprehensive insurance and Third Party Insurance for my car?

Comprehensive insurance is a much broader cover in that it caters for all accidents to the vehicle such as fire, theft and damage in addition to third party bodily injury as per act, plus third party property damage.

The Statutory Third Party Insurance for which every vehicle carries a sticker only covers the vehicle for death or bodily injury caused by that vehicle to third parties- it does not cover accident damge to the vehicle.

 
Does my motor insurance pay if someone else drives my car and gets an accident?

Yes, but only if the person driving the car at the time of accident had your express permission to drive it and at the same time holds a valid driving permit.

 
What category of workers are covered under the workers’ Compensation policy?

The Workers’ Compensation Act states that all categories of workers must be insured by their employer for as long as they are engaged to provide labour or services in exchange for earnings in form of wage or salary .

This policy covers such employees against accidents or diseases they may contract while at work or work related exposure to the same.

 

                                        

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