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Our Classes of Individual Insurance Offered

Burglary Insurance policy provides financial compensation against loss or damage to property contained in your premises by acts of Burglary and or Housebreaking. The policy covers the property against loss/damage by burglary/house breaking. It also covers damage to your premises caused by burglars during burglary or attempts at burglary. The Policy pays actual loss/damage to your insured property caused by burglary subject to the limit of Sum Insured. If Sum Insured is not adequate, Policy pays only proportionate loss.

Requirements for Cover

  • Name of insured
  • Address & Contacts
  • Location
  • Nature of risk
  • Commencement date
  • Sum insured (SI) or value to be insured

Crop insurance covers the natural incidents such as hailstorm, drought, flooding e.t.c.

Requirements for Crops Insurance Cover

  • Name of insured
  • Location
  • Estimated expenses
  • Acrerage
  • Season of planting

Livestock insurance covers livestock against theft and diseases.

Requirements for Livestock Insurance Cover

  • Name of insured
  • Location
  • Type of livestock
  • Veterinary report
  • Tagging of livestock
  • Estimated sum assured
  • Commencement date

Domestic package insurance provides financial protection against misfortunes befalling your house. Domestic package insurance is a combined policy. This means that it covers damage to or loss of your property and your liability or liability of members of your family to other people.

Requirements for Cover

  • Name of insured (Client, customer)
  • Address & Contacts
  • Location
  • Nature of risk, e.g. building, etc
  • Materials used in construction
  • Sum insured (SI) or value to be insured
  • Commencement date

An excess is a sum of money your insurance company requires you to pay towards the cost of making a claim. Excess insurance works alongside your normal car insurance policy. It will cover the cost of your excess if you have to make a claim, up to an agreed limit. Generally, the higher the amount of excess you want to cover, the higher your premiums will be. Should you need to make a claim on your car insurance, you will pay your excess as normal but then claim it back through your excess car insurance provider.

Requirements for Cover

  • Extension of motor vehicle(MV) cover

Fire and Related Perils Insurance protects your property and investments against loss or damage from perils such as fire, lightning and flooding. This policy is vital for all types of industry and trade groups, offices, service occupancies, households and assets belonging to all sections of the society. The policy covers buildings, plant and machinery, furniture, fixtures and fittings, electrical installations, stocks, stocks in trade including work in progress etc belonging to any industry, offices, service occupancies, households etc.

Requirements for Cover

  • Name of insured (Client, customer)
  • Address & Contacts
  • Location
  • Nature of risk, e.g. building, etc
  • Materials used in construction
  • Sum insured (SI) or value to be insured
  • Commencement date

Soin Insurance Brokers ltd is now partnering with ACRE AFRICA to arrange Index Linked Crop & Livestock Insurance. This is in response to the current unpredictable weather patterns throughout the globe with extension that covers uncontrollable pests and diseases. Index linked Insurance is a Multi peril ( All Risks) cover for crop losses arising from:

  • Drought
  • Wind Storm
  • Excess rainfall
  • Frost
  • Flooding
  • Hail

Crops covered include:

  • Maize
  • Tea
  • Coffee
  • Wheat

The Peril is scientifically evaluated and losses incurred linked to key stages of each crop. Get in touch with us for scientific and tailor made products to meet your needs.

Health care costs can be very expensive. A single hospital stay could wipe out your savings (and more)! Therefore, health insurance of some kind is a necessity even if you're healthy. Not only will health insurance protect you from potential bankruptcy in the event of a major medical event, it also gives you peace of mind. Health insurance is a contract between you and the insurance company that says that the insurance company will pay a portion of your medical expenses if you get sick or hurt and have to visit a doctor's office or hospital.

Requirements for Cover

  • Date of birth (Age)
  • Cover limits e.g. Inpatient/Outpatient
  • Name of dependants
  • Date of birth (Age) of dependants

Life insurance is protection against the unknown. When you buy life insurance, you're paying for the peace of mind that your family will be taken care of in the event of your sudden demise. Sure, it's a morbid thought, but it makes you wonder how your family would get by without you. Would they have enough money to keep the house? Could the kids pay their own way through college? Life insurance is the life jacket in the fishing boat, the air bag in the car. You hope to never have to use it, but it's nice to know it's there. Also, when handled correctly, life insurance is more than just a safety net. It's part of a larger economic plan whose goal is the financial security of your family.

Requirements for Cover

  • Date of birth (Age)
  • Premium remittance per month
  • Period per term
  • Sum insured (SI) or value to be insured
  • Type of Life Insurance

Loan protection insurance is designed to help you by providing financial support in time of need. Whether the need is due to disability or unemployment, this insurance can help protect monthly loan payments and protect you from default. The loan protection policy has different terms depending on where it is offered. Loan protection can help you meet your monthly debts up to a predetermined amount. These policies offer short-term protection, providing coverage from generally 12 to 24 months depending on the insurance company and policy.

Requirements for Cover

  • Loan amount
  • Date of birth (Age) of the insured
  • Financier
  • Interest rate charged
  • Repayment period

Motor vehicle insurance is a cover against own damage, Fire and Theft. This is the comprehensive cover for motor. However there is a minimum cover for motor vehicle known as Third Party Only.

Requirements for Cover

  • Name of insured
  • Registration number
  • Value of the car (for comprehensive cover)
  • Date of commencement
  • Log book copy or importation documents
  • Pin certificate (copy) of the insured and ID Copy

For most homeowners, being unable to make monthly mortgage payments and losing the roof over their head is their biggest fear. Mortgage protection, more commonly known as Mortgage Cover Insurance provides cover against this happening, meeting your mortgage payments if you are unable to. Mortgage Cover Insurance is designed to cover the cost of your mortgage payments in the event that an accident, sickness or unemployment stops you from working. If you want to keep your mortgage or loan repayments safe in the unfortunate circumstance that you are unable to work, then a mortgage cover insurance policy is for you.

Requirements for Cover

  • Name of insured (Client, customer)
  • Date of birth (Age)
  • Address & Contacts
  • Occupation
  • Location
  • Interest rate
  • Repayment period
  • Sum insured (SI) or value to be insured
  • Financier
  • Commencement date

Personal accident cover is designed to provide financial help if you have a serious accident or injury, or if you suffer a fatal accident. With personal accident cover, you pay a monthly premium which usually remains the same during the length of the policy. You will receive a cash benefit if you have an accident or receive a serious injury during the policy term. The cover also helps to ensure your family are provided for if you have a fatal accident.

Requirements for Cover

  • Annual salary
  • Capital Sum Insured (SI) (Estimated amount)
  • Occupation

Travel insurance is short-term insurance available specifically against travel-related emergencies and expenses. International travelers will almost always want to obtain travel insurance because it covers medical expenses, but even other travelers may find it useful depending on their plans. Often grouped under the term "Travel Insurance" is trip cancellation insurance, travel medical (international health insurance) and flight insurance.

Requirements for Cover

  • Name of traveller
  • Date of birth (Age)
  • Destination
  • Date of travel
  • Period of stay
  • Next of kin's contacts
  • Postal Address
  • Telephone number
  • Valid passport number
  • Occupation
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