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Getting Started
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FAQs
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Other
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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?
What is a standard domestic package insurance cover?
A standard domestic package insurance policy includes four essential types
of cover. They include:
a) Cover for the structure of your home (often referred to as section
A).
b) Cover for your personal belongings or contents of the building
(section B and C).
c) Liability protection (Section D and E).
d) Additional living expenses in the event you are temporarily unable
to live in your home because of a fire or other insured event.
a) Buildings (section A)
This part of your policy pays to repair or rebuild your home if it is
damaged or destroyed by fire, lighting, storm or other disaster listed
in your policy.
b) Personal belongings (Section B & C)
Under section B the policy covers loss or damage to personal belongings
like furniture, household goods, electrical equipment and other personal
items if they are stolen, destroyed by fire or other insured event.
An all risks cover under section C is often provided to cater for items
that are taken out of the house like jewellery laptop computers, mobile
phones and cameras.
c) Liability protection (Section D, E and F)
The policy covers domestic workers under section D for injury or death
arising from domestic work. This cover ensures that an individual is
indemnified against liability at law under the Workmen’s Compensation
Act (WCA)
Public liability cover under Section E and F protects owners and
occupiers respectively against lawsuits for bodily injury or property
damage that they or their family members cause to other people.
The liability section of the policy pays for the cost of defending you in
court and any court awards up to the limit of your policy.
d) Additional living expenses
This pays the additional costs of living away from your home if you
can’t live there owing to damage from a fire, storm, or other insured
disaster.