The Insurer

16/10/2019

Sued for your services?
Ever heard of a doctor, an engineer or advocates being sued for claims of malpractice? It may be a patient that you treated and the condition worsened or a house you designed and collapsed. These claims can force you to close up your business or services due owing to the attached cost. They can also lead to unending court cases that can cost you much of your time and money.
To mitigate this, any professional is required to take a professional indemnity cover as it costs time and money to defend against a claim of malpractice, professional misconduct, or breach of duty. You could be held responsible not only for your own actions, but also for those of your partners, employees or volunteers. A professional indemnity insurance policy safeguards your business by providing cover against such claims, including legal defense costs. It is designed for professionals who provide advice or services to their customers such as Doctors ( and other medical practitioners), Engineers, advocates, Surveyors, Accountants etc
In case you need more information about professional indemnity cover or any other insurance services (motor vehicle cover, motor cycle cover, health covers, investment, life covers), you are welcome to contact the Insurer admin any time of the day.

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16/10/2019

Sued for your services?
Ever heard of a doctor, an engineer or advocates being sued for claims of malpractice? It may be a patient that you treated and the condition worsened or a house you designed and collapsed. These claims can force you to close up your business or services due owing to the attached cost. They can also lead to unending court cases that can cost you much of your time and money.
To mitigate this, any professional is required to take a professional indemnity cover as it costs time and money to defend against a claim of malpractice, professional misconduct, or breach of duty. You could be held responsible not only for your own actions, but also for those of your partners, employees or volunteers. A professional indemnity insurance policy safeguards your business by providing cover against such claims, including legal defense costs. It is designed for professionals who provide advice or services to their customers such as Doctors ( and other medical practitioners), Engineers, advocates, Surveyors, Accountants etc
In case you need more information about professional indemnity cover or any other insurance services (motor vehicle cover, motor cycle cover, health covers, investment, life covers), you are welcome to contact the Insurer admin any time of the day.

30/08/2019

What to do in case of a tyre bleout

WHAT TO DO WHEN YOU HAVE A TYRE BLOWOUT

In the event of the unfortunate death of many kenyans due to an accident occasioned by a tyre blowout and the fact that in East Africa now-a-days, we have many untrained drivers, it has become pertinent for me to write this.

There are 6 simple steps to take within a maximum of 2 minutes and you will be safe, these by the grace of God I have been familiar with for decades. They are as follow:

(1) DON'T PANIC in the event of a blowout, calm yourself down first because your car will start misbehaving and you need to take charge.

(2) Hold FIRMLY to your steering wheel with both hand, NO VIGOROUS TURNING, as you concentrate on the road and your mirrors, in seconds study the movement pattern of the car. Your car will naturally swerve to the direction of the burst tyre.

(3) Take off your foot from the accelerator, DON'T EVER ATTEMPT TO PRESS THE BRAKES, IF YOU DO, YOU HAVE A 95% CHANCE OF A SOMERSAULT. The car will decelerate gradually while you concentrate on the road to avoid collision with any other road user.

(4) Disengage the gears of the car by shifting to neutral (N) as you still maintain a firm grip on the sheering wheel and put your eyes on the road.

(5) After a while depending on your initial speed, your car come to a speed less than 60km/h when it is now safe to GRADUALLY apply the brakes and navigate to the side walk

(6) Ultimately, it is now safe to put the car to a complete stop and turn off the engine. You have just saved yourself and passengers from untimely death.

NOTE:
Of course, everyone in the car will be in a panic mode BUT this is NOT THE TIME TO LISTEN TO THEM, it is TIME TO CONCENTRATE.

Please, don't just read, share on your page and copy to other platforms, you may just be about to save a life.

NIYI ALONGE

29/08/2019

Why life Insurance is paramount to everyone

28/08/2019

Why is it Important to have an Education Policy for your Children?

A wise man once said, “Your child will keep building castles in the air; you better start buying bricks for the castle today.”
As parents, we love our children and a responsible parent meets the most obvious obligation towards their child/ren’s welfare. Securing their education is among the key responsibilities parents find as the most important. The Bible in the book of proverbs says that a wise father leaves an inheritance for his children’s children. The greatest wealth and inheritance you can leave for your children is good education.
Education insurance plans serve two purposes, savings, and protection. Therefore, the best coverage plans protect the child’s future school fees and cater to the unexpected accidents or demise of your beloved child/ren; God-forbid.
Remember to always find a trustworthy as well as a reliable insurance Agent or Financial adviser to cater help and advice you on Education policy matters. In case you need an education policy advices, you can always contact the admin for assistance

19/08/2019

What would you like to be discussed in the post?

14/08/2019

How Do you make an Insurance claim in case your vehicle is Stolen?

The insured must inform the insurance firm and the police. The insurer’s representative will help the former through the process. To make a claim, the vehicle needs to be covered under the comprehensive insurance policy, which includes third-party cover, loss/damage to vehicle as a result of an accident, fire or theft, and risks against natural calamities.

FIR: The insured must lodge the First Information Report (FIR) with the police immediately.

Claim form: The insured should call the customer service centre of the insurance company and fill the claim form, giving information like the policy number, vehicle details, as well as the date, time and description of the incident.

Documents: Submit the duly signed claim form, copies of the registration certificate (RC) of the vehicle, driving license, policy document (first two pages), the FIR and a letter addressed to the RTO intimating theft.

Approval, settlement: After the police submits its final ‘nontraceable report’ and the claim is approved, the insured must transfer the RC of the stolen vehicle in favor of the insurance company, hand over all sets of keys and give a letter of subrogation to the insurance company.

Reimbursement: The amount approved as per the surveyor’s report will be reimbursed within seven working days including total replacement

Always remeber to involve insurance proffessionals especially your Agent for advice. In case you need any insurance advice, Kindly inquire from the admin

13/08/2019

What do you need to do after your Car is stolen?
A mere thought of one’s car being stolen completely shatters one—leave alone even the actual incident. When this daunting incident happens, you become confused and many people do not know where to start from. The Insurers is here to help you with a step by step procedure of what you should do during this traumatizing.
1. Make sure that the car is actually stolen/lost
This is because you might confuse you parking area, it might be towed. You could confirm this by contacting the local towing companies by providing them with the car’s VIN number.
2. Inform the Police
If you confirm everything and you don’t find a trace for your car, then it’s a major concern. You need to inform the police immediately. In case you had leased the vehicle. Inform them so that they can talk to their insurer. Give all the information including: the car’s model and make, VIN number, and where you had parked. Be sure to keep this report as it will be required by your insurer.
3. List all the belongings that were in the Car
Waiting for the police to respond, you can be preparing a list of all the personal belongings that could be in the stolen car. These could include: Laptops, I pads, Jewelry etc. make sure to inform the police about the status of the mobile phone or laptops to avoid impersonation by the thieves. Present this list to the insurance company for compensation.
4. Call your Insurance Company
No matter the type of insurance you hold, it’s important to inform your insurer. Additionally, even if you are had leased the car, inform the lender so that they can discuss the matter with their insurer. Note that you should have purchased a comprehensive type of insurance cover so that everything is covered. The insurance company will investigate the case to rule out fraud.
No matter what insurance you have purchased, it is important to inform your insurer that your car is stolen. Depending on the insurance you carry for your vehicle, the insurance company will proceed further. In case, you are leasing your vehicle, also inform that lender and notify them of the theft so that they can also communicate with the insurer to discuss the case. You will be looking at a total loss claim. Be very vigilant on the payment to make sure you are not fooled by insurance companies. Never accept anything less you total value. You can also liaise with your Agent on this.
5. Inquire for your vehicle with the department of Motor Vehicles (DMV)
This is the department that keeps complete logs of all the lost vehicles. In case a car is lost they cooperate with the police to find the vehicle. In case your vehicle is found, contact your insurer to make any required repaired or replacement if it was damaged in the event.
6. Final Thoughts
In case you are in this daunting, never panic. Follow the above steps as you will be compensated without any worries whatsoever. Never leave your valuables in the car, follow parking rules strictly.
Above all, insure your vehicle with the right insurance company and with a caring Agent. In case you need any form of insurance cover or advice, Feel free to contact the admin of this page.