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Personal Insurance
It’s a fact that your car could be stolen and accidents happen in the blink of an eye.
Personal Insurance
Product Type
Personal Insurance
What it covers
Theft
Damage by Fire
Accidental Damage
Hijacking
Damage to Property
Third Party
Comprehensive Motor Insurance
Insurance provides cover in case your vehicle has been stolen, damaged by fire or any act of nature; or for any accidental damage, hijacking and damage to third parties and their property.
Third Party, Fire and Theft
This cover is a basic form of motor insurance that provides cover for accidental damage caused to another person’s vehicle.This cover is available to you if the value of your vehicle is relatively low. With third party, fire and theft vehicle cover you can claim for certain specified damages to your vehicle and if it is stolen.
Third Party, Fire and Theft Insurance is usually slightly cheaper than Comprehensive Coveras it does not cover the damages or losses to your vehicle in the event of an accident. In this instance, you have to pay for the repairs and/or replacement parts yourself.
If your car is inexpensive to repair, or you don’t drive very often or for long periods at a time, Third Party, Fire and Theft motor Insurance might be more suitable.
Third Party Only
Third Party Only offers a basic and more affordable form of cover that covers the damages that you may cause to another vehicle or property in the event of an accident.
Excess Buy Back
This cover works alongside the motor protect policy.
- Protects the excess on your motor vehicle insurance policy in the event of a claim.
- Covers the cost of excess in the event of a claim, up to a pre-agreed limit.
Documents
BIC_Personal_Insurance_Brochure.pdf
Personal Covers
| Title | Policy Documents |
|---|---|
| Personal Lines - Section 7 Small Leisure Craft | Download |
| Personal Lines-Section 6 Electronic Equipment | Download |
| Personal Lines - Section 5 Personal Accident | Download |
| Personal Lines-Section 4 Motor | Download |
| Personal Lines - Section 3 All Risks | Download |
| Personal Lines - Section 2 Householders Contents | Download |
| Personal Lines - Section 1 House Owners Buildings | Download |
| Personal Lines - General | Download |
Commercial Covers
| Title | Policy Documents |
|---|---|
| General Exceptions Conditions & Provisions | Download |
| Thatch Fire Warranties | Download |
| Section 20a & 20b : Motor Traders | Download |
| Section 18 & 19 - Motor Revised | Download |
| Section 17 : Electronic Equipment | Download |
| Section 16 : Group Personal Accident | Download |
| Section 15 : Stated Benefits | Download |
| Section 14 : Workmen’s Compensation | Download |
| Section 13 : Public Liability (Claims Made Basis) | Download |
| Section 12 : Accidental Damage | Download |
| Section 11 : Business All Risks | Download |
| Section 10 : Goods in Transit | Download |
| Section 9 : Fidelity | Download |
| Section 8 : Glass | Download |
| Section 6 : Theft | Download |
| Section 4 : Business Interruption | Download |
| Section 3 : Office Contents | Download |
| Section 2 : Buildings Combined | Download |
| Section 1 : Fire | Download |
| Machine Insurance Policy | Download |
Specialised Covers
| Title | Policy Documents |
|---|---|
| Professional Indemnity Insurance Engineers Architects | Download |
| Professional Indemnity Insurance for Attorneys, Notaries & Conveyancers | Download |
| Professional Indemnity Insurance Quantity Survey | Download |
| Professional Indemnity for Accountants and Auditors | Download |
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Frequently Asked Questions
How much does it cost/Premiums?
For a quick quote, please click here to get one. Please note that the quick quote is currently available for Motor Insurance only.
What does Motor Third-Party, Fire and Theft policy cover?
This cover is a basic form of Motor Insurance that provides cover for accidental damage caused to another person’s vehicle. In addition to this, your car is covered in the event of theft, hijacking or fire.
Explain more on Motor Third Party Only.
Motor Third Party only refers a basic and more affordable form of cover that covers the damages that you may cause to another vehicle or property in the event of an accident. This type of insurance does not cover the damages or losses to your own vehicle in the event of an accident.
What does Motor Comprehensive cover?
This covers accidental loss of or damage to the insured vehicle. Cover includes amounts for which you are legally liable to a third party if the liability relates to the vehicle.
Wants/need more information on motor insurance.
Our motor insurance comprises of comprehensive, third party, fire & theft and third party only. Motor or vehicle insurance protects the owner of the vehicle against any financial loss arising out of loss damage or theft of vehicle.
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Welcome to the Lenaka Newsletter, a Botswana Insurance Company (BIC) quarterly publication which touches on issues and interactions that take place within the organisation. Click on the button to access the newsletter.
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