Is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle


The object of Fire and Lightning Insurance is to indemnify the Insured against financial loss which the Insured may suffer as the result of the property insured being damaged or destroyed by Fire and/or lightning subject to the terms, conditions and exceptions of the standard policy


Burglary and House breaking insurance, the objective of this cover is to indemnify the Insured in respect of loss of damage to property by theft but only if the incident is accompanied by actual forcible and violent breaking into or out of a building or any attempt thereto.


It covers glass in the insured premises shall be destroyed or broken by any accident.

    • It covers “glass” in the insured premises shall be destroyed or broken by any accident or misfortune of a fortuitous character except:

    • Breakage of horizontal, ornamental, silvered and bent glass

    • Breakage or demand arising out of or in connection with the fire explosion earthquake and civil war

    • Creaked or imperfect glass

    • Breakage caused through fire or gas heat or by willful act Consequential loss


It covers the insured against loss or damage by fire, theft, or any accident or misfortune not excluded by the policy


The purpose of Marine Insurance Policy is to indemnify the insured in respect of loss or damage to the subject matter insured mainly resulting from storm, shipwreck, stranding, collision, jettison, fire explosion, and in general other perils of the sea and those arising out of inland transit risks as well as sending by air, subject to the terms, conditions and exclusions of the relevant policies and/or Institute Clauses.

The main type of polices that are written under Marine Insurance are:

  • Hull

  • Cargo and

  • Pleasure Crafts/Vessels

  • Inland Transit

The objective of this cover is to indemnify the insured’s interest against the risks of “theft and/or fire and/or damage directly caused by overturning or collision or derailment of the carrying conveyance or collapse of bridges and embankments.”