Full Third Party:
Provides the basic minimum insurance cover covering pedestrians and cyclists against injury or death or damage to third party property, caused by the insured vehicle.
Full Third Party Fire and Theft [F.T.P F&T]
In addition to the Full Third Party cover stated above, FTPFT extends to include cover for theft of the insured vehicle or its accessories and damage to the insured vehicle caused by fire only.
Full Cover [Comprehensive]
This is the widest form of cover which in addition to covers provided under Full Third Party Fire and Theft above, extends to cover repair costs for damage to the insured vehicle following an accident, medical expenses up to policy limit, towing charges for the disabled vehicle and emergency.
This policy is designed for the homeowner and covers buildings of the home, including out buildings, walls, fences and gates, boreholes and swimming pools, tennis and basketball courts against the perils of fire, lightning, explosion, storm, impact ,malicious damage, theft of fixtures and fittings and breakage of fixed glass.
This cover can be taken together with or separate from the house owners‘ policy stated above and is designed to cover moveable contents of the home whilst in the home or temporarily away at a place of repair, against the perils of theft, fire, lightning, explosion of domestic gas, strikes, accidental damage to television sets, theft of laundry from washing line, theft of goods belonging to domestic workers and deterioration of foodstuff in a fridge.
This worldwide leisure and business travel insurance package which allows Zimbabweans to access worldwide leisure and business travel insurance locally. This is a foreign currency dominated policy with premiums payable in Rand or any other hard currency. It provides global cover anywhere in the world and is underwritten by TIC (Travel Insurance Consultancy), a subsidiary of Santam of South Africa, with emergency assistance being provided by Europe Assistance.
Seeks to cover the risk associated with golfing to both amateurs and professional alike. This total package is the only specialist golf insurance policy on the market and it provides every golfer peace of mind when playing golf anywhere in the world. In brief, the policy provides the following cover:
Covers any mechanically propelled water borne vessels such as yachts, boats small crafts and ships against the perils of the sea such as collision and capsizing, including the engines and legal liability arising from the use of the said vessels.
Covers consignments of goods whilst in transit by road rail or air from and to places stated in the policy. The basis of insured value can be any of the following:
Unlike the above, this section covers items normally worn or carried on the person and is on an all risk basis with a premium being charged per individual item. As the cover is all risks it is not limited in terms of the territory of application but rather applies worldwide. The cover is applicable to such items as mobile telephones, jewellery and precious items, laptops and other small pieces of electronic equipment, spectacles and sunglasses. It is a condition of the personal all risk section that it be issued together with the house or the contents.
Provides cover against damage to plant whilst at work or at rest and/or during installation, erection or dismantling and liabilities resulting there from Electronic Equipment.
Provides Cover for:
1. AVIATION HULL & LIABILITIES
Covers accidental loss of or damage to the aircraft and liability to third parties i.e. persons and/or property outside the aircraft and liability to passengers.
2. AVIATION PERSONAL ACCIDENT
Covers pilots and/or members of the aircrew against death or bodily injury (including medical expenses) ONLY whilst they are flying, boarding the aircraft or alighting from the aircraft. The full cover includes:
This policy covers large businesses with sizeable asset bases against perils of fire including storm, burst pipes, floods, impact (by any road vehicles, horses or cattle), explosion, earthquake, aircraft, nonpolitical riot and malicious damage.
Accident Classes included:
This policy is suitable for small to medium sized businesses for cover against the risks of fire and allied perils, burglary and theft, money in transit or at premises, accidental damage to machinery and plant and general liabilities.
This cover provides protection against sudden and unforeseen mechanical breakdown and the resultant loss of profit.
The policy is designed to reimburse the insured for financial loss resulting from the infidelity of employees.
The policy provides cover for unexpected and unintended the Insured is obligated to pay caused by pollution, for:
Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers of the organization.
Businesses are exposed to various forms of legal liabilities for death or injury and /or damage to property, arising from negligent commission or omission of duty of care, such as: