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Home Insurance
- Can I own a home without domestic package insurance?
- Can I purchase domestic package insurance if I'm renting a house?
- How are claims paid under various Sections?
- How do I file a claim under domestic package insurance?
- How often should I review my policy?
- What information do I need to provide to my agent,broker or insurer when proposing or renewing cover?
- What is a standard domestic package insurance cover?
- What is domestic package insurance?
- What kind of domestic package cover is adequate?
- What should I do if I am leaving the house unoccupied for sometime?
- What type of insurance do I need for a house purchased through a mortgage?
- Which are the common types of misfortunes covered in a domestic package insurance?
- Why is it important to take a home inventory?
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Motor Insurance
- How do I file a motor insurance claim?
- How is the premium of motor insurance determined?
- Is motor insurance compulsory in Kenya?
- What are my rights when filing a claim?
- What are the different types of motor claims?
- What are the different types of motor insurance certificates in Kenya?
- What are the different types of motor insurance policies?
- What are the duties of insured person in the event of an accident?
- What are the duties of the insurance company in the event of a claim?
- What are the main documents required in settling a claim?
- What information is required when proposing for<br>insurance?
- What is motor Insurance?
- What should I do if I am involved in an accident?
- What should I do if I have a problem with claim<br>settlement?
- What steps are taken by an insurance company before a motor insurance claim is settled?
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Medical Insurance
- Am I insured while out of the country?
- Do I need to continue paying my monthly contribution to NHIF if I have medical insurance policy?
- Does medical insurance cover all hospital bills?
- Does my policy cover conditions existing before I took up the insurance?
- Does the policy cover all my children?
- Does the policy cover the insured in old age?
- How are medical bills paid?
- How do I apply for medical insurance?
- How do I benefit from NHIF membership?
- How will the hospital know that I am the insured?
- What happens in case of an emergency?
- What is medical insurance?
- Who does an in-patient policy cover?
- Who does an out-patient policy cover?
- Will the policy compensate me for all kinds of treatment that I receive?
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Agriculture Insurance
- Agriculture insurance underwriting and claims
- Challenges of crop insurance
- Index Based Livestock Insurance
- Index based weather insurance
- Introduction to agriculture insurance
- Livestock Insurance
- Other types of agriculture insurance
- Perils that affect the agriculture sector
- Poultry Insurance
- The International Agricultural Insurance Market
- Types of Crop Insurance
- What is Agriculture insurance?
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Aviation Insurance
- Aircraft Hull and Liability Cover
- Aviation Hull War and Allied Perils Cover
- Aviation Insurance Underwriting and Rating
- Introduction to Aviation insurance
- Laws Relating to International Trade or Carriage of Passengers by Air
- Loss Adjusting and Surveying Aviation Insurance
- The Aviation Insurance Market
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Business Interruption Insurance
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Common Factors in Property Insurance
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Emerging Issues and trends in general insurance
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Engineering Insurance
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Fire and Perils Insurance
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Liability Insurance
- Classes of liability insurance
- Directors’ and Officer’s Liability Insurance
- Employers Liability Insurance
- Introduction to liability insurance
- Legal Expense Liability Insurance
- Products LIability Insurance
- Professional Indemnity Insurance
- Public Liability Insurance
- Trustees’ Liability Insurance
- Work Injury Benefit Act (WIBA)
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Marine Insurance
- Arranging for marine insurance
- Effecting Marine Insurance market
- International Contracts of Sale(INCOTERMS)
- Introduction to Marine Insurance
- Marine Insurance and Trade
- Marine Insurance Claims
- Marine Insurance Policies
- Marine Insurance Underwriting and Rating
- Marine Perils
- Principles of Marine Insurance
- The marine Insurance Markets
Livestock Insurance
Livestock insurance is providing for against death as a result of an insured peril, such as emergency slaughter or medical grounds and on advice of qualified veterinary surgeon, epidemics, fire, lightning and explosion. Cover may be extended to loss due to theft and transit risks.
Livestock insurance cover includes dairy and beef livestock, sheep, goats, pigs, and horses.
Underwriting Factor
The animal insured is usually to be inspected by a veterinary surgeon. The proposal form asks for details of age, identification marks, breed, species, sex, health, and status of the animal.
Where veterinarians are not available, certificate of health is issued by livestock inspectors will be accepted for purposes of the proposal only.
Blood Stock Insurance
This provides cover for every high value animal mainly horses. It is a minor business line. Animals can be insured on individual basis or collectively. The insured event include mortality, disability, infertility, medical treatment and surgery. The sum insured is based on the market value of the animal. The market value is determined by the prizes that the animal has won or the present value of the future prizes that the animal is expected to win. Any matter that adversely affects the animal’s capacity to win prizes will affect its market value and can result in over insurance.
To deal with the potential moral hazard its practice amongst bloodstock insurers insure a high value animal for only a portion of their market value. Premium rates vary in the range of 0.5 to 10% of the sum insured.
Details of Horse to be Insured
- Name of the horse, colour and sex
- Year of birth
- Use
- Location
- Sum insured
- History of sickness of the horse e.g. past surgeries, ligament injuries, accidents, contagious diseases and whether it has been attended by a veteran an in the last 12 months
- Details of the proposer e.g. name and address
- Insurance history and details of previous bloodstock claim or losses
- Details of the death or loss of horses over the last three years
- Number of horses owned and number insured
- Details of previous insurance
Exclusions in Livestock and Bloodstock Insurance.
Some of the common exclusions are;
- Epizootic diseases are standard exclusions in livestock policies but may be covered on a limit basis
- Willful misconduct
- Famine or malnutrition
- Feed poisoning
- Culling
- Prior accidents or diseases
- Animal shows and exhibitions
- Mysterious disappearance