Insurance Advice

26/03/2025

Celebrating my 9th year on Facebook. Thank you for your continuing support. I could never have made it without you. 🙏🤗🎉

29/09/2020

Hello good people, having been hit hard by covid 19, I know the norm will not be normal and people are struggling to get back on their feet. Some have had their insurance struck out as they no longer work. I have an option not for a medical cover but for a personal accident cover which is pocket friendly and can assure you that in case of an accident, you are well taken care of and the medical bills are also paid upto a certain limit. Limits are from 500,000/- to 20,000,000/-. What is your take. Let me know and I will show you how to have a cover.

09/07/2019

People usually wonder, why do insurance companies have to be selective and not offer what they want. for example, why can't I insure my mobile phone alone? Some risks are high and as insurance are profit making companies, it will mean that everyday there would be claims and this may bring the company to a standstill in future. Insurance companies ensure that they work on a product that will be beneficial both for the customer and them. Everybody lives in a home and they have assets. My advice would be to invest in a domestic package where all your assets will be insured inclusive of an all risk cover where your mobile phone can also be insured. With how the digital platform is growing in the world, it would be prudent to have a domestic package that will ensure that all your assets are insured. Miminum premium is 5,000/- on an yearly basis and it works miracles. Invest in a domestic package today and enjoy peace of mind. We are a call away if you need us on 0725517927

10/06/2019

Get covered.For all insurance policies.

24/10/2017

Domestic package, is it really necessary? What are the benefits of us such a product within our reach. Most might say that as long as am living in a rented house, then it's not necessary. Simply put, if a thief comes to your house today, will they carry the house or your household items? What am I insuring and what will it cost me? Those are the question that we need to ask an insurance company or an insurance agent. Categories in such a product range from all risk, fire, and burglary. Fire in the event of a fire breakout in your house, all risk where you carry along with you and burglary in the event thieves break into your home. Will give you highlights on what is contained in the policy document in a day or two.

28/05/2017

Many of us insure our motor vehicles depending on the value of our cars. Upon renewal, most of us forget to take the vehicle for valuation once again. In the event of an accident and the car is a write-off what happens between you and the underwriter ......... most insurance companies pay claims using the valuation report they received from the valuer upon inception of the cover. In the second year or third year and an accident has occurred, the underwriter will pay a claim on average clause. What is average clause........ This is under insuring where the value of a property or asset ( in this case your car) is less than the actual value of the car. An insurer can reduce its liability for a claim by applying the proportionate approach and the policy holder will be responsible for an unpaid claim amount. if the claim is approved, it will be calculated as follows:
claim amount × sum assured ÷ actual value
Rather than paying less premiums that will create a big hole in your pocket, always pay premiums that corresponds with the value of your property and enjoy peace of mind when you encounter a claim.

27/10/2016

Many are the people who look forward to having a medical insurance. But in their minds, they believe they cannot afford. That idea is wrong because for a limit that you are comfortable with, you can afford an insurance cover. This can be achieved through monthly payments made out by a bank. How..... you may ask? Once a person has identified a medical cover, he applies with the help of the insurance company or agent. The agent/insurance company forwards the application papers with post dated cheques of certain amounts of upto 10 months depending on how large the premium is and once a bank agrees to finance the individual, then an insurance company sets you up in their system as the full amount has been paid by the bank. As an individual, you will need to have sufficient funds in your account to avoid the cheque from bouncing every month. Waiting period for individual medical cover vary with insurance companies, some insurance companies dictate a one month waiting period while others a two months waiting period. Why..... you may ask. Cautionary measures for those individuals who once they have been diagnosed with an ailment rush to the insurance company so that the company can pay their bills. So, why wait until you get sick and wonder "where am I getting all that money to cater for my bill?" time is now. an inpatient of 500,000 is all you need for starters. Fast forward, don't be a victim of harambees.

18/10/2016

Many people believe that having a domestic package is very expensive and only a few people can afford it. This concept is wrong as with as little as 10,000.00 you can have a domestic package that will take care of your most expensive phone, your dressing, sofas, shoes, jewelry, to name but a few. How much do you think you are worth. Find out more by in boxing me and I will surely wooooo and aaaaaah you with the premiums. Don't walk with a broken mobile screen yet you can afford to have it repaired by an insurance company. [email protected]

25/07/2016

Motor Insurance Claims.
Did you know that the fastest way of getting your vehicle repaired by an insurance company is once you have an accident, report to the nearest police station and request for a police abstract. By having the police involved means that the repairs of the vehicle are more than 10,000 shillings or as per the agreement you have with your insurer. Any repairs below 10,000 are sometimes very costly to you as the client. You might want to state that you have an excess protector but the insurer also needs to cover themselves of such small claims. What is an excess protector? This is a benefit that is given to clients by insurance companies at a small fee depending on the terms laid out by the insurer. This can be 0.25% of the sum assured (Price of the motor vehicle) or whichever an insurance company sees fit to charge. It is always good to have one in such cases where claims arise. Back to claims.....report the matter to your insurance directly or with the advice of your agent. Fill in a claim form and have the assessor of your insurance company value it to see how much the cost of repairs will be. Once all that is done, you can request your agent to take you to a good garage or one that you are comfortable with. Take the vehicle to the garage and inform the attendants/your agent of where the vehicle is and allow them to do the repairs. This will save you time unlike if you were to take it directly to a garage, have the insurance company call in their assessor which might take two to three days. Drive safely

09/05/2016

http://www.insuranceadvice.co.ke/2016/03/24/how-to-get-the-right-medical-cover-with-a-small-budget/

We all have access to essential things in life i.e. oxygen. But there are other necessities that not everyone is privileged to get in life: medical care, water, shelter and the likes. Even though some of us do get them all of them at some point in life, it takes time. For the lucky few with the capa...

29/03/2016

http://www.standardmedia.co.ke/business/article/2000196422/how-fraudsters-make-millions-on-insurance

24/03/2016

http://www.insuranceadvice.co.ke/2016/03/21/understanding-insurance-underwriting/

Every insurance company has an underwriting department. A few people know the purpose of this unit or the type of work they carry out in an insurance company. As a prospect or client of an insurer, it is important that you know the role of an underwriting department.