FAQs

This covers accidental loss of or damage to the insured vehicle. Cover includes amounts for which you are legally liable to a third party if the liability relates to the vehicle. In the event that it is not economical to repair the vehicle, our compensation is limited to the amount shown in the schedule or the market value of the vehicle – whichever is less.

It also includes cost of repair/replacing the vehicle subject to deduction of excesses, in the event of falling objects , fire, theft, accident, flood and vandalism. Our comprehensive cover has other extensions which includes towing, windscreen repairs, audio equipment and medical expenses.

The policy covers your residential property including outbuildings, swimming pools, etc against loss, destruction or damage caused by perils such as fire, explosion or earthquake. The policy covers replacement costs which includes professional fees.

This covers permanent structures/Dura walls as well as fixtures, fittings and permanent improvements on your property from the above mentioned damages.

The policy covers household contents or personal effects you own or for which you are responsible while in dwelling against perils such as theft, fire, lightning, storm, flood. etc.

If the property insured is lost or damaged by an insured event we will pay for or may choose to repair or replace it. The amount payable will be the current replacement cost. If the property insured at the time of loss or damage is of greater value than the sum insured you will be your own insurer for the difference and will bear a rateable proportion of the loss or damage.

This covers personal possessions and property (except those that can be moved around with eg cell phones, tablets, laptops etc.) in the house together with those of other people that stay in the house. The possessions might include tv’s, fridges etc.

Please send your contact details, the estimated value of the house/ contents and the location of the house so we can quote you. Kindly note you have to have tittle deeds and be the owner to get building cover.

The policy is designed to cover personal effects that can be worn or carried by a person such as jewellery, clothes, portable electronic devices, etc against accidental loss or damage, theft and or fire within Botswana or anywhere in the world.

If unspecified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it. The amount payable will be the current replacement cost. However if specified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it. 

In order to insure all risk items the clients needs have taken household contents cover

Our motor insurance comprises of comprehensive, third party, fire & theft and third party only. Motor or vehicle insurance protects the owner of the vehicle against any financial loss arising out of loss damage or theft of vehicle. Motor vehicle coverage also includes damage caused to third party or property.

Motor Third Party only refers a basic and more affordable form of cover that covers the damages that you may cause to another vehicle or property in the event of an accident. This type of insurance does not cover the damages or losses to your own vehicle in the event of an accident. In this instance, you have to pay for the repairs and or replacement parts yourself. It is best suited for cars that are simply not worth repairing.

This cover is a basic form of Motor Insurance that provides cover for accidental damage caused to another person’s vehicle. In addition to this, your car is covered in the event of theft, hijacking or fire. This type of insurance does not extend cover for accidental damage to your own vehicle.

Third Party, Fire and Theft Insurance is usually slightly cheaper than Comprehensive cover as it does not cover the damages or losses to your vehicle in the event of an accident. In this instance, you have to pay for the repairs and or replacement parts yourself.

If your car is inexpensive to repair, or you do not drive very often or for long periods at a time, Third Party, Fire and Theft Car Insurance might be more suitable.

Travel insurance covers you for loss of luggage, travel delays and medical and related expenses within Botswana or anywhere in the World. This cover is applicable whether you are traveling overseas or coming to Botswana either for business or pleasure.

Benefits
Emergency medical expensive
personal accidents
legal assistance
loss of baggage
Travel documents
money and credit cards

Please send the dates of travel, destination, passport number and contact details and let us know where you are going and the duration of your travel so we can quote you assist you get the cover.