Personal Lines Insurance
Insurance required to meet the needs of an individual
Employees Liabilities
Product's Liabilities
Property Insurance
Professional Liabilities
Construction Insurance
Business Int.
What is covered by which policy?
Heart attack and crashes into wall and subsequently dies.
Crashes into a wall and subsequently suffers a heart attack and dies.
Personal Accident
Features
Limitations
Sum Insured
Occupation
Annual Contract
Benefit Policy not Indemnity
Available as an Extension
Geographical Limits
Age
Alcohol, Drugs, Intoxicants
Self-Inflicted Injury/Disease.
Physical Defects or Infirmity
Hazardous Activity
Childbirth, Pregnancy, AIDS
War, Radioactivity, and Nuclear Related Accidents
The first 21 days of sickness
Policy Cover - Accident
Capital Sum
Weekly Benefit
Death
Loss of Sight or Limbs
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total Disablement
Temporary Partial Disablement
Medical Expenses Insurance
Private Medical Treatment:
- Hospital Charges
- Specialist Fees
- Treatment
- Ambulance
- Nursing
- Additional Costs
Motor Part
Third Party Only
Third Party Fire and Theft
Third part only.
Comprehensive
Accidental/malicious damage to own vehicle.
Features
Classes
- Private
- Motorcycles
- Commerical
Rating Features
Type of vehicle - RTA
Cover not on a road within territorial limits
Claimant's costs and expenses
Liability whilst the insured is driving other vehicles
Indemnity to anyone driving/using vehicle on the insured order or permission.
Legal costs and legal representation for prosecutions leading to claim.
Own property and liability covered by another policy are excluded.
Fire, lightning, and explosion
Theft and attempted theft
Except for:
Loss or damage to accessories or spare parts unless in a garage.
Wear and tear and depreciation
Loss of use.
Mechanical and electircal failure or breakdown
Tyres by punctures or burst.
Excess.
Subject to issuance of certificate.
Seeks to provide compensation for 3rd party liability
Type of Cover - comprehensive
Driver's age age and experience
Use of Vehicle - TP only
Area - TPFT
Household Insurance
Buildings
• What is left behind when moving house.
• The dwelling places.
• Its fixtures and fittings.
• Swimming pools and tennis courts.
• garages, sheds, greenhouses, gates.
• Its outbuildings.
• Fire, lightning, explosion and earthquake.
• Riot, civil commotion, strikes, labour or political disturbances.
• Malicious damage and vandalism.
• Storm of Flood.
• Falling trees or branches.
• Escape of water or oil.
• Theft or attempted theft.
• Impact.
• Subsidence, ground heave or landslip.
• Breakage or collapse of aerials and masts.
• Accidental damage to drains, pipes, cables or underground pipes.
• Accidental breakage of glass and sanitary fixtures.
• Legal fees, architects’ fees and surveyors’ fees, cost of debris removal.
• Loss of rent.
• Extension – Accidental Damage