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We offer the following 3 types of Motor Insurance cover:

  • Third Party: Covers third-party bodily injury and property damage arising out of a vehicle accident. This covers unlimited liability for Third-party personal injuries or death. For any vehicle, this is the minimum cover required by the Motor Insurance Act. No compensation of any form is provided to the policyholder’s vehicle.
  • Third party Fire & Theft: Cover extends to cover theft, fire, third party bodily injury, and property damage. This is cover is advisable for vehicles not exposed on the roads.
  • Comprehensive: Covers, on damage, third party liability and property damage to the insured vehicle, damage arising out of fire, theft and accidental damage. It is the widest cover available.


Motor Insurance Classes Covered

Classes covers under our Motor Insurance covers:

  • Private Cars
  • Motor cycle / 3 wheelers
  • Commercial Vehicles
  • Passenger Carrying ( Taxi, Tour, Daladala etc.)
  • Special Type Vehicle (Farm Tractors, Forklifts, Excavators etc.

Risks not covered in our Motor Insurance cover are:

  • Own death or injury
  • Damage to tires unless the motor vehicle is also damaged
  • Consequential Loss/ Depreciation/ Wear and Tear
  • Loss outside the geographical area
  • Loss due to cheating
  • Influence of alcohol
  • Use of motor vehicle for an unlawful purpose
  • Damage caused by overloading/strain
The risks not covered under our motorcycle insurance are:
  • Loss of personal effects
  • Personal accident cover
  • Use in connection with a motor trade
  • Racing
  • Use for carriage of passengers for hire/reward
  • Consequential loss
  • Loss/Damage to accessories/ spare parts by theft unless the motorcycle is also stolen
  • Damage to tires
  • Depreciation Wear and Tear
  • Mechanical and electrical breakdowns
  • Loss of use

Requirements for cover are:

  • Duly Completed Proposal Form
  • Registration Card
  • List and breakdown of additional improvised items to be covered, with value separation ( Radio, Rim Tyre etc.)
  • Driving License or Valid NIDA ID
  • Pre - Inspection Photo of the insured vehicle
  • Premium Payment

In the event of a claim kindly contact us on: +255 762 616 864, or email  us at or you can visit us at the branch nearest to you.

Minimum Claim Requirements
To make a claim, please ensure that you have the following documents:

TIN Number/Certificate/Valid NIDA ID
A filled claim form
Any other documents requested