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What Cover do I have?
The Fire & Perils Takaful Policy provides indemnity against material loss to the property caused by:
Fire
Lightning – this is covered whether a fire occurs or not.
Explosion – this includes explosion of boilers and gas used for domestic purposes only.
Explosion other than the one mentioned above
Earthquake
Riots, strikes and locked out workers
Malicious damage
Storm, tempest, flood
Escape of water from any tank, apparatus or pipes
Impact by any road vehicles or animals
Aircraft and other aerial devices
Bush fire
Spontaneous fermentation or heating
Subterranean fire
Subsidence, ground heave and landslip
The policy also generally covers the following forms of damage:
Damage during or immediately following fire caused by
Smoke
Scorching
Falling walls
Damage caused by fire brigade or other competent authority in the discharge of their duty including
Damage caused by water or other extinguishing agents employed
Your policy cover will normally run for 12 months and is renewable annually.
Damage caused by blowing up of buildings to prevent the spread of conflagration
How much must I pay if I have a claim?
In case of earthquake damage – 2% of sum insured; Maximum Ksh.5,000,000
In case of damage by perils 8 & 9 – The first Ksh.5,000 of each loss
How do I make a claim?
You should report to us immediately. We will ask you for the following:
Completed claim form
Police abstract report
Evidence of value in form purchase receipts and replacement receipts for items beyond repair
In case of loss of stock provide also stock records, purchase invoices, delivery notes, sale receipts, annual accounts and bank statements for the last six months.
In case of loss of stock provide also stock records, purchase invoices, delivery notes, sale receipts, annual accounts and bank statements for the last six months.
Can I cancel the policy ?
You should report to us immediately. We will ask you for the following documents:
You may cancel the policy at any time by telling us in writing. We may cancel the policy by giving you seven days’ written notice to your last known address. We will charge you on a pro rata basis for the time we have been on cover plus an administration fee of Ksh.1,000 and pay any refund due to you. There will be no refund if we have paid a claim or one is outstanding at the time you cancel your policy.