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Insurance is a mechanism through which persons transfer risk(s) to insurance companies at a fee called premium. Insurance companies in return promise to pay for the insured loss should it occur.

For general insurance contracts, cancellation of the policy will lead to a proportionate refund of the premiums so far paid.

Failure to pay insurance premiums as stipulated under the contract is a breach of policy terms and leads to termination of the contract by us.

This is an annual cover, traditionally the premium is payable once in a year. However, there are times we can extend premium payment by installments through the bank where we have an arrangement for IPF (Insurance Premium Financing). For motor, premiums should be paid on commencement of cover or for partial payments short-term cover is issued.

You must report any loss or damage to us in time and submit all the necessary documents requested by the claims assistant. You are required to co-operate to facilitate smooth handling of the claim.

Insured will be required to complete a claim form and submit it together with the police abstract and other required documents based on the type of insurance. The documents can be submitted electronically on our website.

Immediately it happens either through your Agent/Broker

Yes, considering many life's risks that surround us it is important to be insured, insurance works as a fall-back plan if the unexpected happens.

Motor insurance being a personal contract it is not transferable to other parties. Thus, in the event of the sale of the vehicle(s), you will need to inform us in writing or return the original certificate of insurance to us immediately to facilitate suspension or cancellation and transfer cover to the new car.

Most importantly, stay calm. Don't leave the scene of an accident even if you are capable of doing so. Wait for the police to arrive as they provide an objective witness to the event, and wait for them to say it's okay to go. Don't accept blame. Give your full description of the accident only to the investigating police officer. Exchange information with the other driver if possible. Immediately note the license plate number of other involved vehicles, color and model just in case someone refused to give you insurance information. Take scene of accident photos and contact your agent/broker.

Insurance is really about protecting the things important to your life, both personal and business, against the unexpected. So, anytime you have significant events or changes in your life, it's time to think about reviewing and updating your coverage. Here are some examples: A change in marital status, a new baby, new car, starting a business, buying a home, home improvements, purchasing jewelry, antiques, computer equipment or other expensive items. For Business: Increase in your workforce, seasonal increases in inventory, loss of employees to other companies, expansion plans – equipment, vehicles or physical plant, business relocation etc.