Start With the Basics

General Questions

They are non-life products, i.e. motor, fire, accident, engineering, bonds, marine and aviation etc. These policies are mostly annual policies.

No. You don’t need the services of a lawyer. Just contact us either directly or through your agent/broker and your claim will be processed fairly and quickly.

The “excess” is the contribution you pay in the event of a claim. It is usually a fixed amount or a fixed percentage of a claim.

It is normally a large excess. The insured cannot claim loss amounts which fall within the deductible.

Yes. Our representatives are available to help you 24/7 on………………………

Yes we will still apply discounts where possible.

If you have any problems, we’d like to hear from you. To make sure your complaint goes to the right person, please use our See HPCR for complian procedure

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