General
Insurance

Protecting Your Assets and Personal Belonging.

Individual Cover

Home Insurance
Home insurance covers your house and belongings against life’s unexpected events. It protects you against theft, damage by extreme weather, fire, and other losses.  Home insurance has two types of cover — buildings and contents. 

What is covered under a Home Insurance Package?

Building Section
 It covers residential buildings including landlords’ fixtures, fittings, walls, gates, swimming pool, and fences, all on the same premises against:

  • Fire
  • Natural Risks e.g. earthquake, storm and lightning etc.
  • Human Risks e.g. riot, strike, and malicious damage.
  • Explosion of domestic gas cylinders and heaters

Miscellaneous causes e.g. bursting and overflowing of water tanks, pipes, and impact by road vehicles and animals.

Contents Section: You can insure the following: –

  • Furniture, household goods, and personal effects of every description
  • The property of any member of his family normally residing with you.

Fixtures and fittings of the insured’s or for which he is legally responsible
All Risks Section
This covers accidental damage and theft to specified portable items that are carried outside the house such as cameras, laptops, radios, jewelry, etc.

WIBA
This covers domestic servants such as house helps, watchmen, gardeners, and drivers in respect of injury, death, or disease arising out of and in the course of employment in accordance with Work Injury Benefit Act.

Owner’s/Occupiers’ Liability Section

This section covers the homeowner or occupier against legal liability of third parties for accidental bodily injury and accidental loss of or property damage. Examples include attacks by dogs and risks associated with swimming pools majorly drowning.

 

Motor Insurance

Motor insurance policy cushions you in the unfortunate event that your vehicle, its accessories, or spare parts are stolen or damaged because of an accident, fire, floods or riots. It also covers third party liabilities arising from death and /or injuries to passengers and pedestrian and damage to property.

When signing up for car insurance, you can anticipate being asked several questions such as:

  • What is your vehicle information?
  • What are the ownership particulars of your car?
  • How do you typically use your car?
  • What is the mileage and average daily distance your car travels?

Understanding these details allows us to recommend the most suitable car insurance package for you.

In Kenya, there are three main types of car insurance coverage:

  1. Third-Party Only (TPO) Car Insurance:-
  • This is the most basic and mandatory type of car insurance required by law in Kenya.
  • It solely protects third parties involved in an accident, not the car owner or their vehicle.
  • In the event of an accident, the owner is responsible for repairing their own vehicle.
  1. Third-Party Fire and Theft Car Insurance:-
  • This type of coverage is higher than TPO and slightly cheaper than comprehensive insurance.
  • It extends protection to the owner and their vehicle against theft, fire risks, and third-party liabilities.
  1. Comprehensive Car Insurance:
  • This insurance cover provides the broadest protection, as it insures the owner and their vehicle against a wide range of risks.
  • It encompasses all the benefits of both TPO and third-party fire and theft coverage.
  • Additionally, it covers repair costs resulting from accidents.

Exotix Insurance Agency has partnered with the best insurance companies in Kenya and will guide you in selecting the most suitable motor insurance coverage.

 

Travel insurance

Travel insurance is a plan that you purchase to protect yourself against unforeseen events that may occur before or during your trip. It typically provides financial protection for a variety of risks associated with traveling, such as trip cancellations, medical emergencies, lost luggage, flight delays, and other unexpected expenses.

 Protect yourself in the event of:

  • Trip Cancellation or interruption
  • Medical Coverage
  • Baggage Loss/Delay
  • Travel Delay
  • Emergency Medical Evacuation
  • Legal assistance while abroad
  • Accidental Death and Dismemberment (AD&D) Coverage

Exotix Insurance Agency tailors your travel insurance package to ensure that you travel stress free! We ensure you have adequate coverage for your specific needs and travel plans.

Travel insurance policies vary in coverage limits, exclusions, and optional add-ons. Travel insurance provides peace of mind and financial protection against unexpected events that may disrupt or impact a trip.

Professional Indemnity Insurance
This provides liability coverage to professionals against any claims that may arise out of errors, omissions, misrepresentation, or negligent advice provided in the course and scope of their professional services or malpractice.

 It covers the following professionals:

  • Lawyers
  • Accountants
  • Auditors
  • Architects
  • Doctors
  • Project Managers
  • Management Consultants.
  • Solicitors

Personal Accident
Life’s unpredictability extends to accidents, which occur unexpectedly and can have a significant impact on us. A personal accident insurance plan provides financial security and peace of mind for you and your loved ones in the event of injury, disability and death following an accident. This cover can be extended to your spouse and children.
The following are the benefits:

  • Death
  • Permanent total disability
  • Medical expenses
  • Artificial appliances
  • Funeral expenses

 .

 

Request for a Quote