The following are the General Insurance Products:
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SalamaSure
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SalamaSure is a unique personal accident insurance from UAP, covering
injury or loss of life resulting from accident.
What is covered
- Accidental loss of life
- Accidental permanent total disability
- Medical expenses incurred as a result of accidental injury
- Last expense incurred for funeral arrangements
- Cost of artificial appliances.
How to sign up
- Just Dial *827# and follow simple instructions;The process costs Kshs. 50 and takes 2 minutes;
- Pay the premium through your M-Pesa account through Paybiil
- No. 505800
- You will get confirmation of your cover by SMS as soon as you pay.
How to report your claim
- On your mobile dial *827# and select ‘’Report a Claim” then follow simple steps.
- Your claim can be settled through M-Pesa.
- You do not need to fill in forms to sign up.
Click here to download:
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Crop Insurance
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- A multi Peril Crop Insurance cover for all commercial field crops including wheat, maize, barley, rice, tea crop, coffee, sugar cane, tobacco, all horticultural crops, floriculture and tree crop.
- In addition we give cover to farm assets and equipments including harvested crop, green house and irrigation facilities.
What is Covered
- Crop loses as caused by hail storm, fire, drought, excessive rainfall, frost damage, flooding and lightening
Basis of Cover
- Sum Insured for any crop is based on value of inputs or pre-agreed market value of harvested crop.
Some benefits of Crop Insurance
- Insured farms have greater access to agriculture credit since a crop policy document is accepted by financing institutions as alternative form of security.
- Insurance cushions farmers against losses by acting as a fall back in event of a bad crop season.
- Crop insurance is a finance innovation that stimulates investments in agriculture sector through increased access to funding and motivation to all stake holders.
What is not Covered
- All crop losses as a result of non insured perils
- Deterioration of crop and produce quality due to interruption of work or any process accidents.
- Consequential loss due to delay in harvesting, detention or confistication of produce or equipments
- Errors in pesticide application and failure to adhere to recommendation on application procedures.
- Theft, mysterious disappearances and unaccountable losses.
Premium Charged
- Premium rate depends on crop type and number of insured perils. This rate ranges between 4.5% and 6.0% on Sum Insured.
What is Required
- Completed application form and payment of premium.
- Crop emergence/establishment report conducted by the insurer.
Basis of Settlement
- Yield short fall and down grading. Payment of all claims is due at the end of a crop season, however in case of total loss necessitating replanting, payments are made to facilitate a replanting.
Click on the links below to view and download General Insurance Forms.
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Livestock Insurance
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Cover for individual livestock farmer
A Livestock mortality cover against losses due to accidental death, diseases of terminal nature, emergency slaughter on advice of a recognized veterinary surgeon and theft of livestock in raising units or paddocks.
Livestock Covered
- Dairy cattle, beef cattle, poultry, pigs, sheep and goats
Some benefits of Livestock Insurance
- Insured farmers are better placed to invest more in Livestock production projects since their investments are secured by insurance
- Insured farmers have greater access to Livestock improvement loans since a Livestock policy document is accepted by financing institutions as an alternative form of security.
- In the event of loss of Livestock bought through a finance facility, both the farmer and the financing institution don't loss since insurance pays the loss
What is not Covered
- The first 10% of the loss for each and every loss
- The first 20% of the loss for theft
- Famine malnutrition and feed poisoning
- Impotence and infertility
- Prior diseases and deformities
- Any death due to neglect and poor husbandry practices
What is Required
- A current veterinary and valuation report from a registered veterinary surgeon
- Identification by ear tags, tattoos or any other practical mode of identification
- Completed application form and payment of premium
Premium Charged
- Premium rate depends on Livestock type and population. This rate ranges between 3.0% and 6.0% on Sum Insured . (Subject to minimum premium of Kshs. 12,500 per farmer)
- Veterinary and valuation report acts as a basis of determining Sum Insured
Claim Settlement
- In the event of loss notify UAP Insurance or Agents immediately. Disposal of carcass before a postmortem extermination amounts to no loss.
- In the event of theft, the insurance will require a period of 6 weeks to allow for recovery before settlement of loss.
Click on the links below to view and download General Insurance Forms.
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Private Motor Insurance
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UAP Insurance now offers a range of products on COMPREHENSIVE PRIVATE motor insurance with optional benefits and insurance limits encompassed in 3 optional products; ie Gold, Silver and Standard. The insurance will cover the vehicles for loss or damage (including riot and strikes) and Third Party liabilities anywhere in East AFrica with the following benefits:
- AA Membership,
- Car Tracking Device & Services,
- Personal Accident Insurance,
- 24 Hr Road Rescue,
- Emergency Medical Expenses ,
- Forced ATM withdrawal and many more.
Click on the links below to view and download General Insurance Forms.
- Motor Private Cover
- Private Car Proposal Form
- Motor Accident Claim Form
- Motor Theft Claim Form
- Windscreen Claim Form
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Motor Commercial Insurance
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UAP Insurance is now offering a range of products on COMPREHENSIVE COMMERCIAL motor insurance with optional benefits ie Gold, Silver and Standard. The insurance will cover the vehicles for loss or damage (including riot and strikes) and Third Party liabilities anywhere in East AFrica with the following benefits:,
- AA Membership,
- Car Tracking Device & Services,
- Personal Accident Insurance,
- 24 Hr Road Rescue,
- Emergency Medical Expenses ,
- Forced ATM withdrawal and many more.
Click on the links below to view and download General Insurance Forms.
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Domestic Insurance
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Designed to provide compensation for office risks, or premised used ourely as commercial office space. The insurance is sutitable for such occupations as : Doctors,Lawyers,Accountants, Stock Brokers etc.
Click on the links below to view and download General Insurance Forms.
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Political Violence (Polisure)
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PoliSURE is Kenya's first insurance cover that offers protection against loss of personal and business property due to acts of political violence and terrorism. Such acts were in the past given as standard exclusions in most policies.
PoliSURE illustrates our philosophy of enhancing your quality of life through products that are designed to ensure you enjoy peace of mind and financial freedom.
Call (020) 285 00 00
It's more affordable than you think!
What is covered under this policy?
- Riots, strikes and civil commotion for political reasons
- Acts of terrorism
- Sabotage
- Malicious damage for political reasons
- Insurrection, revolution or rebellion
- Mutiny and coup de'etat
- Civil war
What type of property is covered?
- Industrial buildings
- Commercial buildings
- Residential buildings
- Loss of revenue ( business interruption)
- Contents (in premises )
- Stock
- Plant & machinery
- Cash (in premises & in transit)
- Goods in transit
- Vehicles
- Boats
What are the advantages of this policy?
- Affordable - the rates are available from all our offices
- Flexible - you can cover various properties under one policy (for example motor vehicles, buildings, etc)
- No excess in most sections
- Risks accepted from all parts of the country
- Fast issuance of policy documents
- Simplified proposal form
- You need not be insured with UAP to obtain this cover
What are the requirements?
- Obtain a quote from UAP
- Duly complete the proposal form
- Pay the premiums
Click on the links below to view and download General Insurance Forms.
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Travel Insurance ; UAP Travelsure
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For most people, overseas travel is a wonderful and exciting experience. A lot of preparation goes into planning for the trip to ensure that you are comfortable while away from home - from the choice of the destination to the accommodation, the airline and even the camera with which you will bring back happy memories to share with friends and loved ones, all aspects of the trip are carefully considered.
One aspect that many people tend to overlook is travel insurance. If you think about it though, this should actually be one of the first and most important considerations that you should make to ensure that your trip goes well.
What is Travel Insurance?
Travel Insurance is a special type of cover that you can take out before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip.
Regardless of whether you travel overseas regularly or infrequently or even if it is a once-in-a-lifetime trip, travel insurance will give you that peace of mind that someone will be there to hold your hand and assist should there be any occurrences that may otherwise hinder your trip.
UAP Travelsure is a policy that has been designed to allow for flexibility to meet the needs of different travelers. It covers you for insurable events that may occur before or during the trip.
What are the benefits?
UAP Travelsure offers Medical Insurance of up to US $250,000 and Personal Accident cover of up to US $20,000. Additional benefits include support for medical evacuation, loss of luggage, personal liability, hijack and many more.
Peace of mind
For the resulting peace of mind, the cost of travel insurance is a lot lower than most people imagine. Your actual cost will be determined by the type of cover requested, the age of the insured, the destination of travel, length of stay.
Click on the links below to view and download General Insurance Forms.
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Businessman Combined Insurance
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SECTION A: FIRE & PERILS
Covers your buildings and contents including machinery and stock are insured against Fire, Explosion, lightening, Earthquake, riot, strike, malicious damage, storm, flood, burst pipes and impact damage. In addition, you will enjoy the following product benefits free of charge;
- No excess payable unless on Earthquake Claims
- Free Fire Brigade Costs upto a limit Kshs. 100,000
- Free cover for goods held In trust upto a Limit of Kshs.100,000
- Free cover for goods in the open upto 50,000
- Payment on account (10%) of the claim amount
- Free debris removal - 2 % sum insured
- Free Architects' , Quantity surveyors fees
- Free Engineer consulting fees - machinery
- Free temporary removal extension
- Free cover for loss by theft during /after fire
SECTION B: BURGLARY
This section provides you with cover for burglary or office breaking or any attempt threat including damage to the building or contents. Additional, the product benefits include;
- Upto 10% Security discount - eg G4S contract
- Free cover for theft of goods in the open upto 50,000
- Free cover for Change of keys/locks cover upto 10,000
- Free cover for temporary removal cover
- Free cover for cost of reconstruction of office documents , manuscripts upto 20,000
- Free cover for cost of security following an accident
- Cover for theft in any other means apart from break-in
SECTION C: BUSINESS INTERRUPTION
This provides cover for losses arising as consequence of fire and perils losses such as Lost profits, lost rent , lost wages and increased cost of working. Additional product benefits include;
- Claims preparation cost cover up 50,000
- Rent for alternative accommodation 3 months
SECTION D: LEGAL LIABILITY
Provides cover for all sums which you shall be legally liable to pay as damages for accidental bodily injury and/or damage to property of third parties including Legal costs and expense incurred with written consent from our company. Additional product benefits include;
- Free guests effects cover Kshs. 50,000
- Free employee effects cover Kshs. 20,000
- Free Foods & drinks liability extension
- Free cash payout incase of fatal accident to TP on the insured premises Kshs 50,000
SECTION E : LOSS OF MONEY
Provides cover for loss of money in direct transit or on premises including damage to safes or strong room caused by theft or any attempt or threat. Additional product benefits include;
- Free Contents of franking machines cover limit upto 50,000
- Free Damage to money cover
- Free employees money cover Kshs. 5,000
- Unwarranted transit upto 400,000
- Free Money with directors cover upto 50,000/- free
SECTION G: GOODS IN TRANSIT
Provides "All Risks" cover to your property or goods whilst being carried on any vehicle belonging to the insured within East Africa including loading and unloading
SECTION H: GLASS
Provides cover against accidental breakage of fixed glass windows or doors or misfortune of fortuitous nature. Additional product cover includes:
- Cover to Include damage to frames
- Cover to include neon signs
- Cover to Include cost of embossing or lettering
- Cover to include horizontally mounted mirrors
SECTION I : ALL RISKS
Provides cover against accidental loss or damage to specified items. Additional product cover includes;
- Cover worldwide during travel
- Electronic data reconstruction up 20,000
- Including cover of good held by TP on your behalf up to 30,000
SECTION J: EMPLOYEE WIBA
While WIBA provides cover against liability at law in respect of occupational bodily injury by accident or disease caused or arising out of employment, Employers liability cover provides cover against common law for damages, claimant cost and expenses of litigation directly related to bodily injury by accident or disease to employees directly related to breach of Common Law or Statutory duty. Additional product benefits include;
- Free Option B EL cover
- Upto 20 % discount where EL is not required
- Free Cost of rehabilitation - 10,000/-
SECTION K : DIRECTORS PERSONAL ACCIDENT
Provides 24 hours cover against accidental injury or death. The benefits are;
- Death - 5,000,000
- Permanent Disablement - 5,000,000
- Loss of income (weekly) - 20,000
- Accidental medical expenses - 300,000
Other product benefit includes:
- Free Artificial Appliance upto Kshs 30,000
- Free hospital cash upto Kshs. 10000
- Free last expenses accidental death Kshs.50,000
- Payment on account
SECTION L : POLITICAL & WAR RISKS
Provides cover against Covers Terrorism, Sabotage, Riots, strike, malicious damage, insurrection, revolution, rebellion, mutiny and or Coup d'etat. Additional product cover includes;
- Free kidnap / extortion/ransom cover - consultant fees only
Click on the links below to view and download General Insurance Forms.
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Office Compact Insurance
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Office compact is your comprehensive insurance cover for commercial office premises and professional consulting rooms. It offers the widest coverage for your office contents, loss of money, loss of documents, employees and legal liability to the public. Office compact covers six sections:
Section A: Office contents
Insures against; fire, explosion, lightning, earthquake, riot, strike, malicious damage, storm, flood, burst pipe and impact by aircraft, road vehicles, horses or cattle and theft or attempted theft involving break-in.
This section also provides cover extensions for;
- Tenants' liability for loss or damage to landlord's fixture and fittings up to 10% of the contents sum insured.
- Temporary removal of contents, up to 15% of contents sum insured
- Loss of rent if the premises are not let-able as a result of an insured peril, up to 10% of contents sum insured
- Out of pocket expenses if the premises are not let-able as a result of an insured peril, up to 5% of the contents sum insured
Section B: All Risks
provides cover against loss of, or damage to, specified office machinery.
Section C: Legal Liability to the Public
Provides cover for all sums which the insured shall be legally liable to pay as damages for accidental bodily injury and/ or damage to property of third parties including law costs and expenses incurred with the written consent of the company.
Section D: loss of money
Provides cover for loss of money in direct transit or in premises including damage to safes or strongroom caused by theft or any attempt threat.
Section E: Loss of documents
Indemnifies against cost incurred in replacing lost, stolen, destroyed or damaged documents and against legal liability arising out of such loss, theft, destruction or damage.
Section F: WIBA
Provides cover for bodily injuries by accident or occupational disease to all employees while in the course of their work. Complies with the Work Injury Benefits Act 2007.
Rates / Premium
Fire & Burglary Contents
- 1.25% of Sum Insured
- Excess 5% of min. Shs. 5,000
All Risks
- 1.5% of Sum Insured
- Excess - 5% of loss min. Shs. 10,000
Public Liability
- 0.075% on limit of indemnity
Loss of Document
- 10% of sum insured
Money
- Transit - 1%
- Premises DBH - 1%
- Premises OBH - 1%
- With Directors - 1.5%
- Damage to Safe - 0.5%
- Estimated Annual Carry - 0.1%
- Excess - 10% of loss min. Kshs. 5,000
Wiba
- Quoted based on occupation and gross annual earnings
How do I claim?
- Notify UAP of all claims
- Complete the relevant claim form
- Attach the relevant documentation e.g. police abstracts, invoices etc.
Why office compact?
- Seven policies in one
- One renewal date
- One Application form
- One Policy Document
- Option of selecting a cocktail of product
Click on the links below to view and download General Insurance Forms.
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Golfers Insurance
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Covers golfing equipment against loss or damage, hole-in-one as well as public liability
What Is Covered
The insurance provides cover against the following contigencies happening on a golf course or club premises:-
Personal accident
- Personal injury by accident resulting in Death or loss of two limbs or both eyes or one limb and eye Kshs 20,000/-
- Loss of one limb or one eye Kshs 10,000/-
- Temporary total disablement (limited to 26 weeks per week Kshs 100!-
These benefits apply only to persons under 65.
Liability to the public
- Indemnity in respect of claims by the public (caddies or ball boys included) for personal injury and damage to property up to Kshs 500,000/- for anyone accident with law costs in addition.
- Loss-of or damage to golfing equipment i.e. - clubs, bags and caddie cars up to Kshs 20,000/-
Fire theft or larceny
- Loss or damage to personal effects (other than golfing equipment and valuable) single article limit Kshs. 500/- up to Kshs 10,000/-
Hole - in - one
- Out of pocket expenses included as a result of the insured holing out in one stroke whilst playing in a competition or friendly game covered for Kshs 2,000/-
Click on the links below to view and download General Insurance Forms.
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Maxpac Insurance
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This insurance provides financial benefits for death or bodily injuries caused by accident to the insured person. The insurance also provides some weekly compensation for loss of income to the accidentally incapacitated persons and also covers medical expenses arising out of the accident
What Is Covered
The insurance provides cover in the event that you sustain injury or die as a result of an accident. The insurance covers all sorts of accidents and is also a 24 hour cover.
- Accidental Death
- Permanent disability as a result of the accident (the extent of disability will be determined by the doctor)
- Cash payment upto the provided limit, upon admission to hospital
- Temporary total disability resulting in loss of income - maximum 2 years
- Medical expenses as a result of an accident
- Purchase of artificial appliances such as clutches
- Payment of a final benefit for purposes of organising funeral expenses
How Do I Sign Up
- Select the option that best suits your financial position/requirements
- Complete the proposal form
- Return the form together with your cheque /cash payment
How Do I Claim
- Report all injuries to UAP offices
- Complete the claim form and attach supporting documents. e.g receipts/medical reports/police abstract etc.
Click on the links below to view and download the forms.
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Comprehensive Schools Insurance
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Due to the similarity of the learning institutions, UAP insurance has been able to create a comprehensive insurances for learning institutions in available in packages that addresses the main risks that leaning institutions are exposed to, these insurance packages will provide compensation that covers property, third party liability and injuries to members of the school fraterni
The insurances can be described in terms of four main sections:
Compensation for Damage to Properties
Damages to property that arise from fires, burglaries and other named accidental damages will be compensated for up to the value insured. Properties insured could include:
- Buildings
- Contents in the buildings
- School equipment such as computers or generators
- Pedal cycles
- Motor Vehicles
- Damage to safes
- Loss of money in transit or in the premises
- Theft of money or other items by staff
Compensation as a Result of Liability to Third Parties
Learning institutions very often host members of the public in on the grounds, and the institution may be exposed to liabilities as a result of the visitor’s injuries or damage to property. The insurance will compensate the institution against any third party liabilities arising including the costs of litigation.
Compensation as Result of Accidental Injuries to the School Fraternity
Members of the school fraternity may sustain accidental injuries while on duty or off duty. This insurance will compensate for such injuries including the medical expenses up to the limits agreed on. The insurance will compensate such events as death, permanent injuries and medical expenses. Member of the school fraternity that may be insured include.
- Students
- Teachers
- Members of the Board
Once the Bodily Injuries Act is gazetted, the insurance of workers injuries while on duty will be compulsory .
Click on the links below to view and download General Insurance Form
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Home Insurance
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Home insurance is a comprehensive insurance package that ensures peace of mind in the comfort of your home. It provides cover for a dwelling house and contents against fire and other specified perils, for contents against theft following a break-in, for portable items against all risks, domestic workers for injuries sustained while at work as well as owners/ occupiers liability.Your home insurance covers against:
1. Loss or damage to building* and contents** as a result of:
- Fire, Lightning, Thunderbolt, Earthquake or Volcanic Eruption
- Explosion
- Riot and Strike
- Aircraft or other Aerial Device or any article dropped there from.
- Bursting or overflowing of a Water Tank Apparatus or Pipe
- Theft accompanied by actual forcible and violent breaking into, or out of, the Buildings (burglary)Impact on the Buildings by any road vehicle or animal not belonging to the insured or any member of his family normally residing with him.
- Storm or Tempest
- Expense of alternative accommodation and loss of rent
2. Injuries or illnesses to the domestic workers employed in your private residence
3. Legal liability for accidental bodily injuries and loss or damage to property (Occupiers and Owners liability)
*Building will refer to a private dwelling house or flat made of brick stone or concrete with slate tile, concrete asbestos or metal roofs
*Contents will include furniture, household goods and personal effects
All Risks Cover caters for items normally used outside premises e.g. mobile phones, laptops, jewelry e.t.c. Provides cover against loss or damage to specialised household equipment/electronics.
RATING/ PREMIUM:
Section A: Building 0.15%
Section B: Contents 1%
Section C: All Risks 2%
Section D: 500 per person
Section E & F: Occupiers and Owners Liability 0.01%
Levies: 0.45% of total premium
Stamp duty: Kshs. 40For more information Click here to complete the form and drop it at any of our branches.
Click on the links below to view and download General Insurance Forms.
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MaxPac Students Personal Accident Insurance Cover
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Now you don't have to worry about your children's medical expenses while in school due to accidents. UAP Insurance offers you a comprehensive student personal accident cover that is flexible enough for you to select from four options that suit your nee
BENEFITS COVERED INCLUDE
- Medical Expenses
- Dental (accidental)
- Permanent Total Disablement
- Artificial Appliances
- Death
- Funeral Expense
- Plus – Tuition fees
*To sign up;
- Choose your most favorable option
- Complete the proposal form
- Drop the form and premium cheque/cash at any of our branches countrywide
*To claim;
- Report all injuries to UAP INSURANCE offices
- Complete the claim form and attach the relevant supporting documents e.g. receipts, medical reports e.t.c.
DEFINITIONS
- Medical Expenses shall mean the cost of medical, surgical or other remedial attention treatment given or prescribed by a qualified medical practitioner.
- Dental Expensesshall mean the cost of dental treatment by a qualified dentist as a result of an accident.
- Permanent total disablement shall mean absolute disablement from engaging in the student's ordinary occupation.
- Cost of Artificial Appliances shall mean the cost of appliances given or prescribed and registered member of the medical profession.
Tuition fees- during incapacitation shall mean reimbursement of lost tuition fees paid to the school, if the student is injured and unable to attend school for a maximum of eight 8 weeks.
EXCESS
Tuition fees excluding the first seven (7) days.
Click on the links below to view and download General Insurance Form
