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How To File For A Motor Insurance Claim In Zimbabwe

Filing a motor insurance claim in Zimbabwe can seem complicated, but we are here to simplify the process for you.

Follow these steps to file your claim smoothly:
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1. Report the Incident Immediately:
o Notify your insurance company via your intermediary as soon as possible after the incident (accident, theft, or damage).
o Also, report the incident to the nearest police station and obtain a police report, which is essential for processing your claim.

2. Document the Incident:
o Take clear photos of the damage to your vehicle and any third-party property, if applicable.
o Collect contact information from witnesses, if available.

3. Submit Your Documents: Provide the following documents to your insurer:
o Filled claim form (available from your insurer).
o Police report.
o Copy of your insurance certificate.
o Your driver’s license and ID.
o At least 3 repair estimates or invoices.

4. Vehicle Assessment:
o Your insurer will arrange for a licensed assessor to evaluate the extent of the damage.
o Ensure your vehicle is at an approved garage or repair center, as per the insurer’s instructions.

5. Claim Processing:
o Your insurance company will review the claim and approve or deny it based on the policy terms and conditions.
o Once approved, they will either reimburse you or directly pay the garage for repairs.

6. Follow-Up:
o Keep in touch with your insurer directly or through your agent.This ensures your claim is processed promptly.
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Why Choose us?

• Expert Guidance: Our team will assist you in gathering documents, filling out forms, and liaising with your insurer.
• Quick Support: We ensure your claim process is smooth and stress-free.
• Trusted Partners: We work with leading insurance companies to get you the best service.

📞 Call or WhatsApp 077 484 9333

If you insure through us, we make sure to take the hassle out of your motor insurance claims!
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Protecting what matters most to you is our priority. With tailored solutions for your motor vehicles, we can get you covered with either 3rd party or comprehensive insurance in less than 5 minutes.

All we ask from you is to compare rates first, then buy with ease from us & get a lot of guaranteed benefits.

For starters, besides saving big on premiums, you get your disks delivered right where you want them for free! That's how easy and convenient doing business with us is.

Call/WhatsApp us today on 077 484 9333

With the current increase in roadblocks and police check points, please make sure you have your Zinara licence and insurance in place plus the following:

1 Spare wheel
2. Car Jack
3. Two red triangles
4. Servjced Fire extinguisher
5.Reflective jacket or vest
6. White reflectors front
7.Red reflectors backside
8.Functional brake/reverse, park, indicator lights
9.Seatbelt on
10.Wheel spanner

Also make sure to follow all traffic signs e.g stop signs at all times!!

Here is why you should use us as your insurance agent:

1. We provide you with expertise, guidance, personalized service and help you find the best policy for your needs.

2. We help you understand car insurance requirements in the country and also help you navigate risks that are specific to your area.

3. We will give you access to multiple insurance carriers since we work with many insurance companies, giving you access to a variety of policies thereby allowing you to choose and find the best coverage at competitive rates.

4.We provide personalized service, help you select the right policy based on your needs and also offer bundling discounts if you buy multiple policies from the same insurer.

5.In cases of emergency, we will help you file your claims and facilitate your payments within the shortest possible time and also suggest where you can get your vehicle fixed properly

Contact us on 077 484 9333 and get to enjoy these benefits and more!

The best thing about getting your car insurance from us is EVERYTHING!

From getting a quote in minutes, to free disk delivery within an hour as well as on going support 24/7, we believe we are exactly what has been missing in the market!

Get in touch on 077 484 9333 for enquiries

What’s Payable Excess During a Claim?

The payable excess in an insurance claim refers to the amount of money that the policyholder is required to pay out of his or her pocket before the insurance company covers the remaining costs of a claim. It is typically a fixed percentage or a set amount specified in the insurance policy.

Key Points about Payable Excess in Zimbabwe:

1. Shared Responsibility:
The payable excess represents the policyholder's share of the risk in any claim.

2. Varies by Policy:
The amount depends on the terms of your insurance policy, the type of claim, and sometimes the insurer's specific conditions.

3. Reduces Small Claims:
It helps insurers reduce small or unnecessary claims and encourages responsible behavior by policyholders.

4. Influences Premiums:
Policies with higher payable excess amounts may have lower premiums, and vice versa.

Example:

If you have a comprehensive car insurance policy with a payable excess of 10% and you are involved in an accident, this is what happens when you claim:

• You will pay 10% of the total bill directly to the garage where you car is being repaired
• The insurer will cover the remaining 90%

Need assistance??

We can help you:
• Understand the terms of your insurance policy.
• Compare policies with varying excess amounts.
• Negotiate favorable terms that align with your budget.
• File and manage your insurance claims.

Reach out to us on 077 484 9333

In 2025, let’s commit to getting our vehicles maintained and serviced on time – because a well-maintained car is a safer car!

Tag someone who could benefit from this resolution and start the year with smarter habits!

Renewing your license and insurance has never been this easy.

Get in touch now and let's work on yours

077 484 9333