This policy covers physical loss or damage to insured items such as mobile phones, digital cameras, laptops, etc.
The policy is offered in partnership with Minet and is underwritten by ZSIC General, NICO, Hollard and Professional Insurance.
Power surges and indirect lightning strikes -Excluding power utility company scheduled operational/load shedding programs and subject to lightning and overvoltage protection devices
Fall from heights -20% policy excess to apply with a minimum of K1,000.00
Malicious damage
10% Minimum K500.00 for each and every claim
POLICY EXCLUSIONS
Mechanical, electronic or electrical faults
Unexplained or mysterious losses
Consequential loss
Political, terrorism and war risks
Willful acts
Wear and tear
REQUIREMENTS BEFORE COVER IS CONFIRMED
Photos of the smart device to be insured
Serial number
Correct replacement value
Schedule of the devices to be covered with the above information if two or more gadgets are to be covere
