NON LIFE INSURANCE SCHEMES

• Fire Insurance
• Burglary Insurance
• Householders Insurance
• Motor Insurance
• Accident Insurance
• Marine Insurance
• Engineering Insurance
• Contractors All Risks Insurance

FIRE INSURANCE

WHAT MAY BE INSURED

All movable and immovable property such as Buildings including electrical installations and lifts, Factories and other manufacturing concerns, Offices, Commercial Centres, Shops, Supermarkets, Warehouses, Schools, Hotels Stadia, Markets; Machinery and Appurtenances thereto, Household Goods and Personal effects; Stock and Utensils in Trade, Motor Vehicles, etc.

COVER
Fire Insurance usually covers not only fire damage but damage caused by the perils of lightning and Explosion. Other allied perils for which extension is usually granted by fire insurance are: -  

•      Windstorm/tempest, tornado, cyclone, earthquake and volcanic eruption.
•       Impact by road vehicles, horse or cattle with the building, its boundary walls, gate and fences.
•       Damage by aircraft or any aerial devices or any articles dropped therefrom.
•       Escape of water from fixed water tanks, apparatus or pipes.
•       Riot and strike, flood, malicious damage and bush fire.

BURGLARY INSURANCE

WHAT MAY BE INSURED
All movable and immovable property mentioned under fire insurance. Loss or damage to building and machinery by burglars are also paid for by burglary insurance.

COVER
The policy covers the risks of burglary or housebreaking or any attempt thereat whilst contained within the premises described in the policy.

HOUSE HOLD INSURANCE

WHAT MAY BE INSURED
Household goods and other articles in the home or in its domestic outbuildings; Fixtures, fittings for which the insured is responsible as occupier; Clothing, bed and beddings; Personal effects, articles normally worn, used or carried about in one's everyday life; Household goods and personal effects of members of the family normally residing with the insured.

COVER
The contents are insured against loss or damage by the following causes whilst they are in the insured premises or its domestic outbuilding and garages - Fire, lightning, thunderbolt, earthquake or volcanic eruption; Explosion; Riot and strike; Escape of water from any fixed water or heating installation or domestic appliance; Impact with a building involving an aircraft, aerial or anything falling from them, or by a vehicle, train or animal; Wmdstorm, hurricane, tornado, cyclone; Theft or attempted theft.

MOTOR INSURANCE

WHAT MAY BE INSURED
Motor insurance is usually grouped according to the typeof vehicles, e.g. Private Cars, Commercial Vehicles, Agricultural and Forestry Vehicles, Motor Trader Vehicles,Vehicles of special construction such as mobile cinemas and canteens.

COVER

The most popular forms of cover are

• Comprehensive: Cover is provided in respect of loss or damage to the motor car and /or its accessories whdst on the vehicle; By accidental collision, or over-turning; By fire, external explosion,self-ignition or lightning or burglary, housebreaking or theft; By malicious act; Whilst in transit.
• Third Party only
• Third Party Fire & Theft