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General Insurance

Your One-Stop Shop for Comprehensive Protection

At Komrades, we offer a wide range of general insurance products to cater to the diverse needs of individuals and businesses. Whether you’re looking to protect your car, your home, your valuable possessions, or even your business operations, we have a solution for you.

We have a wide range of products which include:

  • Motor Commercial Insurance
  • Motor Private Insurance
  • Third Party Only (TPO)
  • Domestic Package
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Motor Commercial Insurance

This is a comprehensive insurance product that businesses can take up to cover vehicles used commercially, such as motor commercial own goods and motor commercial general cartage. It also covers fleets for businesses with two or more vehicles. The policy comes in three levels of cover:

  1. Third Party Only: This covers third-party liabilities for injuries, death, and property damage caused by the insured vehicle.
  2. Third Party, Fire and Theft (TPFT): This extends the third-party coverage to include protection against fire and theft.
  3. Comprehensive Cover: This offers the highest level of protection, covering third-party liabilities, fire, theft, and accidental damage to the insured vehicle.

Motor Private Insurance

This policy provides comprehensive protection for private vehicles against loss or damage, including riots, strikes, and third-party liabilities anywhere in East Africa. It safeguards you against losses and/or damages to your vehicle due to accidents, accidental fires, or theft. It also covers third-party liabilities for death or bodily injury.

Levels of Cover:

  1. Third-Party Only (TPO): Protects against third-party losses, including death, bodily injuries, and property damage.
  2. Third Party, Fire and Theft (TPFT): Adds protection for your vehicle against fire and theft, along with third-party coverage.
  3. Comprehensive Cover: Provides extensive coverage for your vehicle, including accidental damage, theft, fire, and third-party liabilities.

Domestic Package

The domestic package policy comprehensively covers homeowners against accidental loss or damage caused by fire, lightning, earthquake, storm, and more. It caters to various insurable interests in private homes through the following sections:

  1. Building: Covers the physical structure of the house, including outbuildings, walls, gates, and fences.
  2. Contents: Covers furniture, household goods, personal effects, and fixtures owned by the insured or for which they are legally responsible.
  3. All Risks: Covers specified portable valuables carried outside the home, such as jewelry, watches, laptops, and mobile phones.
  4. WIBA: Covers domestic servants against injury, death, or disease arising during employment.
  5. Owners’/Occupiers’ Liability: Covers liabilities resulting from death, injury, or property damage to third parties due to the negligence of the owner or occupier.

Explore Our Motor Insurance Rates

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