PBZ BANCASSURANCE

1. MOTOR INSURANCE

Covers loss of or damage to insured's vehicle due to accident, theft or fire and in addition, pays for loss of or damage to third party property or for injury or death to third parties.

i) Motor Comprehensive Insurance

Protects your vehicle against loss of parts of or the whole vehicle caused by theft, fire, accidental damage and road accidents, as well as damage to third party property or injury to persons. This insurance applies to motor cars, motor cycles and motor tricycles.

ii) Motor Third-Party Insurance

Provides cover against accidental damage to third-party property or injury to third-party persons caused by the insured. The legal cost to repair or compensate will be paid to the third party by the insurance company upon court ruling. You will not be paid compensation if your own vehicle gets damaged. This insurance applies to motor cars, motor cycles and motor tricycles.

2. DOMESTIC PACKAGE INSURANCE

This cover provides indemnity to an insured against loss or damage to a private dwelling house, (including household contents therein) as a result of fire, theft, lightning, storm, earthquake, floods, water damage, and other related perils.

Coverage will include:

• Building and structure of the house, walls and fences, water tower and servants' quarters against fire and allied perils (floods, landslide, earthquake, etc.)
• Household contents items like refrigerators, TV, furniture, clothes, etc. against fire and burglary/theft (contents to be stolen by a forced entry)
• 'All risk' protects items such as mobile phones, jewelry and laptops from damage and theft if the items are inside the house or off the property
• Public liability protects against accidental injury to guests or damage to their property if they are on your property
• Domestic employees includes workmen's compensation due to accidents that occur during daily work on your property

3. TRAVEL INSURANCE

Travel with peace of mind wherever you go. Our Travel Insurance protects you against unexpected events during your journey, including medical emergencies, trip cancellations, lost baggage, and travel delays.

The policy purchased to cover potential losses caused by different events for a person who intends to travel from one country to another. Most countries would require people visiting their country to have travel insurance protection to cover themselves against various travel risks and as one of visa requirement.

Key Benefits

• Emergency medical assistance
• Lost or delayed baggage cover
• Trip cancellation protection
• 24/7 travel support
• Fast and convenient policy issuance

Whether you are travelling for business, holiday, study, Hajj & Umrah, or family visits, our travel insurance helps keep you protected throughout your trip.

4. FIRE INSURANCE

The standard fire policy covers loss or damage to property insured as a result of fire, lightning, or explosion – brought about by gas used for domestic purposes. This kind of fire cover is, however, limited in scope and is therefore extended to cover other perils (now known as special perils) such as: Impact Damage, Bursting of Pipes, Floods, Earthquakes, and Aircraft etc.

5. THEFT INSURANCE

Theft insurance covers your belongings if they are stolen. Theft insurance typically covers personal property, money, jewelry, and business equipment that is stolen from your home or car.

What it covers

• Loss of stock, equipment, furniture & valuables due to theft
• Theft of insured property from covered premises
• Related financial losses subject to policy terms

6. BURGLARY INSURANCE

Protect your business and valuable assets against loss or damage caused by burglary involving forcible or violent entry into your premises.

What the Policy Covers

Coverage for loss of stock, equipment, furniture, cash, and other valuables stolen through forced entry or exit from insured premises.