Personal Insurance

MOTOR INSURANCE

MOTOR INSURANCE is also known as auto insurance, car insurance or vehicle insurance. It is an insurance purchased for cars, trucks, commercial vehicles, motorcycles and any other road vehicles to protect you against any financial loss due to traffic accidents, theft, loss or damage to your own or third party vehicle(s) bodily injuries or death caused to third party(s). Extension coverage may also be purchased for personal accident, liability claims, loss or damage from acts of nature, etc.

PERSONAL ACCIDENT INSURANCE

Personal Accident Insurance is a coverage that provides financial compensation in the event of injuries, disability or death caused by accidental, external, visible or violent events. Accidents are unavoidable but a PA policy will certainly give you a round-the-clock peace of mind against unfortunate happenings.

HEALTHCARE INSURANCE

Healthcare Insurance allows you to concentrate on getting better while someone else takes care of the bills and headaches. The policy is to cover costs of private medical treatment which can only increase with time. There are many coverage options and possibilities such as hospitalisation, surgery and ambulance benefits, income supplements, treatment options, etc.

HOUSEOWNER / HOUSEHOLDER INSURANCE

Houseowner/Householder Insurance provides for protection of one of your biggest investments - your house and its contents against loss or damage by unforeseen circumstances such as fire, lighting, domestic gas explosion, burglary etc. Each individual is different, you can depend on us to advise on the flexibility to advise a policy that suits you best.

TRAVEL INSURANCE

Travel Insurance provides travellers with comprehensive coverage and emergency assistance whenever they travel around the world. Protection can be for a certain period of travel to the more prolonged annual policies for seasoned travellers. It is purchased to insure against travel-related accidents or losses such as loss of belongings, personal accident, medical care, etc.

Commercial Insurance

FIRE INSURANCE

Fire Insurance provides coverage to properties and goods, fixing or fittings against loss or damage caused by fire, lightning or explosion. It is different from property insurance as it is designed to cover beyond what is covered by the property insurance policy. There are the basic fire policy, coverage for consequential loss, additional coverage for other hazards or injury, etc.

BURGLARY INSURANCE

Burglary Insurance covers against loss or damage to the insured property due to theft / armed robbery or damage to insured property as a result of theft or attempted theft. In times of crime uncertainties, it is an almost indispensable part of protection that home, business or property owners must undertake to protect their interests and investments.

ALL RISK INSURANCE

All Risk Insurance is a policy for individuals who look for wider protection beyond the regular coverage in a standard policy. It is a type of insurance coverage that excludes only risks that have been specifically outlined in the contract. The term ‘all risk’ applies to any risks that the contract does not specifically omit which is automatically covered. There are many types such as Industrial All Risk, Homeowners All Risk, Building All Risk, Erection All Risk, etc.

GROUP MEDICAL CARD INSURANCE / GROUP PERSONAL ACCIDENT INSURANCE

Group Medical Card Insurance / Group Personal Accident Insurance is an essential part of employees benefit package. This type of insurance package normally provides comprehensive protection for all employees in the event of accidents and are usually offered at competitive prices compared to individual policies. They give employees peace of mind as well as taking the financial toil off employers in events of accidents.

OTHER INSURANCE (WORKER COMPENSATION, MONEY, LIABILITY, etc.)

Other Insurance (Worker Compensation, Money, Liability, etc.) are all catered to provide coverage on the many facets of running a business.