| NEW PRODUCTS | | FIRSTAUTO Motor Insurance | Just in case you are caught in these situations,
• Breakdown
• Flat Tyre
• Fuel Runs Out
• Flat Battery
• Locked Keys
...we shall rescue you!
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ][ Brochure ]
| | Prosperity Health (Medical) | | With our Medical Insurance , you enjoy the following benefits:
| | First Lady Cover | |
 First Lady is a unique insurance product that seeks to offer a wholistic lifestyle support solution (rather than a generic insurance product) for women. First Lady Cover is not just an ordinary motor cover but also has key benefits which make it woman-specific. It is offered as a package that comes with cover for the ladies’ personal effects such as handbag, earrings, cell phone and such other personal effects upto a limit of kshs. 30,000.00 .
The cover includes a personal accident cover upto kshs. 250,000.00 for the insured in case of an accident to the insured car.
In addition to this, the woman’s health is looked at in the shape of free breast cancer clinics with reputable hospitals , free tyre and car clinics, a road assist package for the inconveniences that road travel comes with for instance punctures, battery failure, car jacking etc. The road assist package has been achieved via partnerships with Auto Assured. Other benefits include Access to spas at discounted rates, access to Flying Doctor society Africa services at discounted rates and much more.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ][ Brochure ]
| | Travel Insurance | | This is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ][ Brochure ]
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| Life Insurance | | Group life protection is a form of term insurance
that covers the life of a person whilst being in the employment of another
person. The amount of the benefit is fixed and normally pegged as a multiple
of annual basic salary.
- Cover is open to employee aged between
18 to 60 years
- Premium based on total sum assured
and age of employee
- Benefits range is normally a multiple
of 1 to 5 times annual basic salary but can also be based on fixed amounts
per staff category.
- The employer pays premiums annually.
- Policy is not subject to an AIDS
Exclusion clause.
BASIC REQUIREMENTS TO EFFECT A GROUP LIFE
POLICY
Employers who require a group life policy must satisfy
the following conditions: -
- Complete a group proposal form.
- Each member above the free cover
limit to complete a proposal form.
- Financial Institution to provide
for each member the following details among others in a suitable format
i.e. spreadsheet:
- Date of birth
- Names of member
- ID No.
- Annual basic salary
- Next of kin details (optional)
- Medical requirements determined
by the Free Cover Limit amount.
- Minimum membership per group is
10 people otherwise all members of the group will go for medical examination.
ADMINISTRATIVE REQUIREMENTS
During the course of cover the following are the administrative
requirements:
- Client Policy document issued within
72 hours of receipt of group proposal form and premium chargeable.
- Each new member into the scheme
completes a proposal form (subject to the free cover limit).
- Each scheme member receives a certificate
of insurance confirming cover details (optional).
- Premium charged on a pro-rata basis
for new members during the year.
- Acceptance terms are communicated
to client within 24 hours of receipt of proposal form and/or medical
reports.
- All client enquiries are dealt
with within 24 hours of receipt.
A Client Service Level Agreement detailing the above
administrative requirement is issued at policy inception as a guide to
the above.
CLAIMS SETTLEMENT
On the occurrence of an insured event the following
documents will be required: -
- Original/Certified copy of Death
Certificate
- Copy of ID card if not earlier
provided
Final claim benefits are payable within 3
days from receipt of the above documents and completion of the claim Discharge
Voucher. [ Request Quote ] [ Claim Proposal ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Mortgage protection is a form of decreasing
term insurance that covers the life of a person who takes out a mortgage.
The amount of the benefit decreases, as the amount owed on the mortgage
declines. The term of the policy depends on the length of the mortgage
subject to a maximum period of 30 years and the premiums are generally
payable annually.
FEATURES OF MORTGAGE POLICY
- Covers loans on a reducing balance or
on declaration basis
- Cover is open to members aged between
18 to 65 years
- Premium based on total loan; age and
repayment period is payable on yearly basis
- Provides cover to joint mortgages on
a first death basis
- Premiums are paid annually based on outstanding
period and amount.
- The Policy is not subject to an AIDS
Exclusion clause.
BASIC REQUIREMENTS TO EFFECT A GROUP
MORTGAGE POLICY
Mortgage Institutions that require a group
mortgage policy will satisfy the following conditions:
- Complete a group proposal form.
- Each member above the free cover limit
to complete a proposal form.
- Financial Institution to provide for
each member the following details among others in a suitable format
i.e. spreadsheet:
- Date of birth
- Names of member(s)
- ID No
- Loan account number
- Outstanding Mortgage amount
- Mortgage repayment period
- Mortgage interest rate etc
- Medical requirements determined by the
Free Cover Limit amount.
- Minimum membership per group is 10 people
otherwise all members of the group will go for medical examination.
ADMINISTRATIVE REQUIREMENTS
During the course of cover the following
are the administrative requirements: -
- Client Policy document issued within 72
hours of receipt of group proposal and premium chargeable.
- Each new member completes a proposal
form (subject to the free cover limit)
- Each scheme member receives a certificate
of insurance confirming cover details (optional).
- Premium charged on a pro-rata basis for
new members during the year.
- Acceptance terms are communicated to
client within 24 hours of receipt of proposal form and/or medical reports.
- All client enquiries are dealt with within
24 hours of receipt.
A Client Service Level Agreement detailing
the above administrative requirement is issued at policy inception as
a guide to the above.
CLAIMS SETTLEMENT
On the occurrence of an insured event the
following documents will be required: -
- Original/Certified copy of Death Certificate
- Copy of ID card if not earlier provided
Final claim benefits are payable within 3
days from receipt of the above documents and completion of the claim Discharge
Voucher. [ Request Quote ] [ Claim Proposal ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | | Group Credit protection is a form of reducing term insurance
that covers the life of a person who takes out a short-term loan from
any financial institution. The amount of the benefit decreases, as the
amount owed on the loan declines
FEATURES OF GROUP CREDIT POLICY
- Covers loans on a reducing balance or on declaration
basis
- Cover is open to members aged between 18 to 65 years
- Premium based on total outstanding loan, loan term
and age of loanee.
- Provides cover to joint loanees on a first death basis
- The premiums are payable either directly by the loanee
and deducted from the total loan issued or paid by the Financial Institution.
- Premium paid covers loan for the whole repayment duration
or annually if paid by the Financial Institution.
- The Policy is not subject to an AIDS Exclusion clause.
BASIC REQUIREMENTS TO EFFECT A GROUP CREDIT POLICY
Financial Institutions who require a group credit policy
must satisfy the following conditions:
- Complete a group proposal form.
- Each member above the free cover limit to complete
a proposal form.
- Financial Institution to provide for each member the
following details among others in a suitable format i.e. spreadsheet:
- Date of birth
- Names of member(s)
- ID No.
- Loan account number
- Outstanding Loan amount
- Loan repayment period
- Loan interest rate etc
- Medical requirements determined by the Free Cover
Limit amount.
- Minimum membership per group is 10 people otherwise
all members of the group will go for medical examination.
ADMINISTRATIVE REQUIREMENTS
During the course of cover the following are the administrative
requirements: -
- Client Policy document issued within 72 hours of receipt
of group proposal form and premium chargeable.
- Each new member into the scheme completes a proposal
form (subject to the free cover limit).
- Each scheme member receives a certificate of insurance
confirming cover details.
- Premium charged on a pro-rata basis for new members
during the year.
- Acceptance terms are communicated to client within
24 hours of receipt of proposal form and/or medical reports.
- All client enquiries are dealt with within 24 hours
of receipt.
A Client Service Level Agreement detailing the above administrative
requirement is issued at policy inception as a guide to the above.
CLAIMS SETTLEMENT
On the occurrence of an insured event the following documents
will be required: -
- Original/Certified copy of Death Certificate
- Copy of ID card if not earlier provided
Final claim benefits are payable within 3 days from receipt
of the above documents and completion of the claim Discharge Voucher. [ Request Quote ] [ Claim Proposal ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | | GROUP RIDER BENEFITS
In addition to the main group life insurance covers,
the client may at their option include the following additional rider
benefits in order to provide extensive coverage for their members.
1. LAST EXPENSE RIDER
Provides funeral expense cover for members of a group
either as a rider or a stand-alone policy.
FEATURES
- Cover available for persons aged between 18 to
66 years
- Cover available also to spouses
- Cover available to a maximum of 4 children per
member aged between 12 months and 18 years
2. CRITICAL ILLNESS RIDER
Provides a prepayment amount on the diagnosis of diseases
and conditions as described below during the term of the policy.
FEATURES
- Cover provides for a payment of up to 50% of sum
Assured subject to a maximum of Kshs 1,000,000 or alternatively depending
on the client’s specific requirements.
- The above payment is an accelerated benefit and
thus sum assured is reduced by the benefit amount if death follows within
the policy term.
- Covers the following diseases and conditions:
- Cancer
- Stroke
- Coronary Heart disease
- Major organ transplant
- Total renal failure
- Paraplegia
- Blindness
- Major burns
- Coma
- Cover still continues to be in force after payment
of the accelerated benefit.
3. GROUP DISABILITY RIDER
Provides a benefits payment when the life assured
becomes disabled and is completely and continuously unable to perform
their normal occupation or not engaged in other gainful occupation. This
rider is specifically tailored for group credit and mortgage covers.
FEATURES
- Covers disability caused by either sickness or
injury
- Cover benefit is up to 75% of annual pre-disability
salary subject to a maximum of Kshs 240,000 per annum
- Cover is for the ages between 20 and 66 years
- Policy has two qualifying periods i.e.
4. TOTAL & PERMANENT DISABILITY RIDER
Provides for the payment of the sum assured in the
event of total & permanent disability of the insured. Benefit of only
a portion of the sum assured is also offered based on the extent/severity
of the disability incurred.
FEATURES
- Covers total & permanent disability that prevents
one from pursuing any or own occupation.
- Covers for loss of body appendages, sight or hearing.
- Cover is limited to the amount assured.
- Cover is for the ages between 20 and 66 years
[ Request Quote ] [ Claim Proposal ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | | With our Medical Insurance , you enjoy the following benefits:
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| General Insurance | | Bonds | | Performance Bond
Bond guaranteeing that a contractor will perform under the contract in accordance
with all the specifications of the bid submitted.
Government
Bonds
These bonds are usually issued undertaking to pay the duty to the Board
of Customs and Excise in the event of a failure to do so by the person
or firm guaranteed or, for example, where a customs clearing agent wrongfully
removes goods without paying the appropriate duty or where a local manufacturer
fails to pay excise duty.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Burglary Insurance | | The Burglary Policy provides indemnity against loss or damage to property
following forcible or violent entry into or exit from insured premises.
Assets such as Office Equipment, Stock in Trade, Furniture, Fixtures & Fittings are covered. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Plate Glass | | This policy provides indemnity to the insured against the loss and /or destruction/damage
to glass by accident or misfortune of a fortuitous character. There are
options either to replace the broken glass according to description or
to pay the sum equivalent to the value of the glass at the time of loss,
destruction or breakage up to the insurance value. Cover can be arranged
for cabinet glass, display signs, fixed glass and glass partitions on
premises. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Pedal Cycle | | This
policy is essential for every pedal cycle owner. Besides, factories and
schools may also ensure the pedal cycles used by its workers and students
respectively to protect their interests.Under this policy, any manually
operated pedal cycle can be insured.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Motor Private Insurance | |
It
provides insurance protection against accidental loss or damage to personal
private motor vehicles including the standard accessories and spare parts
whilst thereon as well as protection against legal liability to third
parties. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Engineering Insurance | This policy covers Machinery exceeding KShs. 100,000.00. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Public Liability | |
Indemnify you against claims arising from accidental bodily injury to
any person or accidental loss or damage to property happening in connection
with execution of your business activities and occurring within the territorial
scope. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Goods in Transit | | This policy provides cover for loss or damage to various types of goods while
in transit by road, rail or any inland waterway within the geographical
area set out in the policy. Cover may be All Risks or for specified perils
and may be taken for specific consignments or annually [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Domestic Package | | The package gives protection to homeowners / renters against loss or damage to private dwelling / buildings, household contents and personal belongings against Fire, Theft, Riot & Strike and other Specified Perils. It also covers personal liability to Third Parties and Workmen’s Compensation to domestic servants. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Personal Accident | | Group personal Accident cover affords compensation for death, permanent disablement, temporary loss of income due to disablement and medical expenses arising fropm an accident. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Fidelity Guarantee | | Insures
against loss of money and property as a result of dishonesty of employees. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Marine Cargo | | Coverage
is meant for transportation of goods or items by sea or air. Marine cargo
insurance policy provides indemnity against loss or damage for goods being
transported by sea or air and incidental land transportation. Either single
voyage policies or annual policies are offered.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Motor Commercial Vehicles | | It
provides comprehensive commercial auto insurance to indemnity business
firms and large corporations against accidental loss or damage to the
motor vehicle and its accessories whilst thereon as well as protection
against legal liability to third parties.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Money on Transit | This
policy covers loss or damage to money by theft whilst:
- In transit
from your premises to the bank and vice versa
- In your
premises during working hours
- In your
premises in locked safes/strong rooms outside business hours
- In the
hand of senior employees/authorized personnel of the company
- NHIF and
service charge stamps and stamped cards and the contents of the franking
machine
- Damage
to safes and /or strong rooms
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Professional Indemnity | | This policy covers the professional against the enormous costs of litigation as well as financial damages that may be awarded. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Workmen's Compensation | | The obligation of employers under Workmen’s Compensation Act is to compensate workers injured out of and in the course of employment is shifted to First Assurance Co Ltd under this Policy. Cover provides Medicare, lost wages and rehabilitation of insured employee and death benefits to dependants of persons killed in work related accidents. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Employer's Liability | | Provides
compensation to any employee for bodily injury by accident or disease
caused or occurring during the currency of the insurance and arising out
of and in the cause of his employment by the insured in the business and
directly related to negligence or breach of Common Law or Statutory duty
by the employer.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Machinery Breakdown | | This
is an insurance package which mainly incorporates Fire and Allied Perils,
Burglary, Accidental damage and Business Interruption and it provides
indemnity to the property insured against any loss or damage from any
cause.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Fire Insurance | | The basic Fire Policy provides indemnity against Loss or damage to property, caused by Fire, Lighting and Explosion. However, the policy may be extended to cover Riots, Strikes, Civil Commotion and Earthquake. Assets covered are such as Buildings, Plant & Machinery, Stock, Furniture, Fixtures & Fittings and Office Equipment. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | All Risks | | First Assurance provides indemnity against loss or damage to specified items as a result of any cause within the Geographical area specified in the Policy. Perils covered include: - Theft, Fire, Riots & Strike, Breakage and any other cause not excluded under the Policy. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Contractors All Risks | | It
provides indemnity to contractors against LOSS or DAMAGE to specify items
as a result of any cause within the geographical area specified in the
policy. This includes theft, fire, riot and strike breakage and any other
causes not excluded under the policy.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Fire Consequential Loss | | The basic Fire Copnsequential Loss Policy provides indemnity against Loss
of profits, caused by Fire, Lighting and Explosion. However, the policy
may be extended to cover Riots, Strikes, Civil Commotion and Earthquake.
Assets covered are such as Buildings, Plant & Machinery, Stock, Furniture,
Fixtures & Fittings and Office Equipment.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Computer and Electronic Insurance | | This policy provides coverage to your electronic equipment including computers against sudden and unforeseen physical damage to the equipment in a manner necessitating repair or replacement. Electronic equipment constitutes all electrical equipment that consumes low electrical current. Cover includes mechanical or electrical breakdown, faulty material, faulty design, lightning and over voltages.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Golfers Insurance | | This policy covers Loss of or Damage to Golf Clubs and equipment, "Hole
in One", Liability to third Parties - (damages and claimants costs
in respect of any accident cost by the insured while playing or practising
golf) and accident to the insured.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Machinery Breakdown (Loss of Profit) | | This is an insurance package which mainly incorporates Loss of Profits due
to Fire and Allied Perils, Burglary, Accidental damage and Business Interruption. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Motor Cycles Insurance | | This
class includes any two wheeled vehicle propelled by an engine exceeding
50cc [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Traveler's Coupon | | This is a short term Personal Accident cover while travelling with extensions
to cover baggage, cash, accidental death or injury and medical expenses. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Plant/All Risks Insurance | | This is an insurance package which mainly incorporates Fire & Allied Perils, Burglary, Accidental damage and Business Interruption and it provides
indemnity to the property insured against any loss or damage from any
cause. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Petrol Station Insurance | First
Assurance provides indemnity against loss or damage to Petrol Stations
as a result of Theft, Fire, Burglary, Workmen Compensation, Employers
Liability, Public Liability, Riots & Strike, Breakage and any other
cause not excluded under the Policy. [ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | Home Insurance | |
This provides you cover as the Home Owner or Tenant in case of loss or damage to your private dwellings/Buildings, Home contents and Personal belongings caused by Fire, theft, floods, explosion, lighting and such allied perils.
It will further provide you with cover for Personal Legal Liability against third parties, Sports equipment, business property at home, Golfer’s comprehensive cover, Domestic Cover for your servants and a Personal Accident extension for you as the Insured.
Sections of Cover:
SECTION A – BUILDINGS
This section covers Proposer’s residence being a private dwelling house or private flat and all
the domestic offices, garage and outbuildings on the same premises and used in connection therewith, and the walls gates and fences etc
SECTION B – CONTENTS
This section covers Household items of every description that are confined to the premises:
e.g. furniture, TV set , All household goods and personal effects of every description
SECTION C – ALL RISKS
This section covers items that are portable in nature and are naturally not confined in the
premises e.g. Mobile Phones, Cameras, Laptops, Watches, Jewellery, & Personal effects etc
SECTION D – WORKMENS COMPENSATION
This section extends cover to domestic employees as stipulated under “WCA ACT”
SECTION E – LIABILITY (OWNERS /OCCUPIERS & PERSONAL
This Section covers your liabilities as a Tenant and/or House owner & Personal liabilities in respect of accidental death, bodily injury/illness or loss or damage to property of third parties.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
| | First Lady Cover | |
First Lady is a unique insurance product that seeks to offer a wholistic lifestyle support solution (rather than a generic insurance product) for women. First Lady Cover is not just an ordinary motor cover but also has key benefits which make it woman-specific. It is offered as a package that comes with cover for the ladies’ personal effects such as handbag, earrings, cell phone and such other personal effects upto a limit of kshs. 30,000.00 .
The cover includes a personal accident cover upto kshs. 250,000.00 for the insured in case of an accident to the insured car.
In addition to this, the woman’s health is looked at in the shape of free breast cancer clinics with reputable hospitals , free tyre and car clinics, a road assist package for the inconveniences that road travel comes with for instance punctures, battery failure, car jacking etc. The road assist package has been achieved via partnerships with Auto Assured. Other benefits include Access to spas at discounted rates, access to Flying Doctor society Africa services at discounted rates and much more.
[ Request Quote ] [ Proposal Form ][ Claim Procedure ] [ Claim Form ] [ Brochure ]
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forms/brochure/firstlady.pdf |
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