Motor Insurance For Everyone!

Select an insurance cover option with benefits that suit your needs and budget as an individual or corporate.

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Claims Process

  1. Notify the police and request police presence at the scene of the accident.
  2. Request for particulars of the other parties involved in the accident.
  3. Provide all necessary information to the police.
  4. Request for the name and contact details of the police officer handling the case
  5. Provide the Police with your driver’s licence, proof of insurance and vehicle registration book.
  6. Obtain a conclusive Police Report for submission to your insurer.

*NB: Do NOT negotiate or offer compensation to the other party. This is a function of your insurer. Whatever type of motor insurance policy you have, the insurer will appropriately compensate the parties involved in the accident.

Submission of Insurance Claims

  1. Notify your insurer as soon as possible.
  2. Fill in claim insurance form obtainable from your insurer.
  3. Get three quotations for the repair of your car or of the third party depending on the type of motor policy you have.
  4. Submit the following documentation to your insurer:
    1. Claim form
    2. Police Report
    3. Copy of vehicle registration book
    4. Copy of driver’s licence (both front and back)
    5. Three quotations for your car repairs or for the third party's car, depending on the type of policy being claimed against
    6. Death certificate if there is loss of life.
    7. Medical expense receipts or quotations in the event of bodily injury
    8. Disability certificate in the event of permanent injury
  5. *NB: Pay your insurance premium in advance and review your insurance cover to ensure that you are fully covered in the event of an accident.

Frequently Asked Questions

Q: What is a motor insurance policy?

It is a type of insurance policy that covers your vehicles from various travel risks. The insured’s vehicle is financially protected from adverse losses and damages due to accidents and other hazards. Of course, each type of motor insurance policy offers different benefits.

Q: What are the three main types of motor insurance cover in Zimbabwe?

Third-Party Motor Insurance

Third-Party Motor Insurance (also referred to as Road Traffic Act) Third-Party motor insurance is compulsory for every car on the roads of Zimbabwe driver. In the event that you’ve been involved in a car accident in which you are negligent or at fault, it covers YOU (the policyholder/insured) for damage to a third party’s car, property or bodily injury. There is no cover for damages or loss to the car of the policyholder.

Full Third Party Fire & Theft Insurance
Inclusive of the insurance cover offered by Third-Party Motor insurance, full third-party motor insurance adds cover for damage by fire or theft to the insured’s car. It will NOT cover any damage to the insured’s car for any other reason separate from fire and theft. Liability cover for the third party is the same as for the regular Third-Party motor insurance, but vehicle owners can increase compensation limits at additional premiums.

Full third party also covers damages due to attempted theft.

Comprehensive Motor Insurance (also known as Full Cover)

This is a premium and complete type of motor insurance cover. It includes all covers under third party and full third party, plus additional cover against any damage to your vehicle that is traffic accident-related, like hail, storm, vandalism, or accidental damage to the car by you (the policyholder).

Q: How much is 3rd party car insurance in Zimbabwe?

Premiums are charged differently depending on the type of vehicle and duration of insurance. Please contact your preferred insurer and get a quotation and advice on the type of motor insurance you want.

Q: Benefits of a motor insurance policy.