for your house, contents, vehicles or personal properties, KEK Insurance Brokers can help you to create bespoke solutions for your personal insurance
leave it to chance, get covered and find out why getting the right cover is
important for your domestic insurances.
Mortgage Repayment Insurance
policy was designed to cover all accidents that are likely to occur in the
home. The Comprehensive Homeowners insurance policy provides five main covers.
The first section covers the insured's building against Loss or damage caused
by perils such as fire, explosion, lightning, storm, hurricane, tornado,
flooding, earthquake, volcanic eruption, bursting or overflowing of water
second section covers the insured’s contents against the above perils as well
as burglary or any attempt excluding theft not involving entry into or exit
from the private dwelling house, domestic offices, garages or outbuildings by
forcible and violent means. In other words, these two sections are similar to a
combined fire & allied perils and burglary policy.
third section of this policy covers the insured’s liability to the public. That
is, death and personal injury to any person not being a member of the insured’s
household, servant or employee and accidental damage to property not belonging
to or in the charge of or under the control of the insured or a member of his
household, servant or employee caused within the limits of the private dwelling
fourth section of the policy provides cover for personal accident, which is
bodily injury which independently of any other cause shall result in death,
temporary disablement or permanent disability and medical expense caused to the
insured and or spouse and or children.
fifth section provides the insured with the actual cost of renting an
alternatively reasonable accommodation for the period necessary for
reinstatement (maximum 12 months) for an amount not exceeding ten per centum of
the full value of the property per annum or the proportionate part thereof
motor vehicle owners are required by law to have a motor insurance policy to
cover their legal liability to others who may suffer death, bodily injury or
damage to their property as a result of the use of the vehicle.
Victims of such
injuries and damage are usually passengers, pedestrians, property owners and
other road users.
The motor policy is meant to cover the liabilities of our
insured's vehicle towards third parties who may suffer loss or bodily injury or
death as a result of the use of the motor vehicle.
the motor portfolio, three types of cover are available for clients namely,
Third Party Cover, Third Party Fire & Theft Cover, and the Comprehensive
This covers bodily injury to third parties e.g. passengers, pedestrians and
other road users, the sum insured is unlimited.
There is also an offer compensation to any property that may be damaged by the
insured vehicle, and the sum insured is limited to GH¢2,000.00 unless
specifically requested for. Damage to the insured vehicle is not covered.
Party Fire and Theft
this policy there is cover for all the above, and in addition, provide
compensation to the insured for loss or damage to the insured’s vehicle if the
loss or damage is as a result of fire and or theft.
greatest extent of cover is under the comprehensive policy, and this includes
the above, as well as compensation to the insured for accidental damage to the
Specifically, there is cover for losses like own damage, total
loss either through fire, theft and burglary or accidental damage as well as
third-party damage and bodily injury.
policy provides financial relief to International travelers for medical
expenses and hospitalization abroad, delayed departure, location and forwarding
of baggage and personal effects,
Others include compensation for in-flight loss of check-in
baggage, delivery of medicine, emergency dental care, advance of funds, loss of
passport, drivers’ license, national identity card abroad, emergency return
home following death of a close family member, repatriation of family member traveling with Insured, travel of one immediate family member and repatriation
of mortal remains.
insurance or life assurance is a contract between the policy owner and the
insurer, where the insurer agrees to pay a designated beneficiary an agreed sum
of money upon the occurrence of the insured person's or persons death in return
for the payment of a premium.
It is important to understand that the policy
owner or beneficiary may be different to the Insured Person, however in such
circumstances an insurable interest has to be determined, such as a bank’s
interest in the Insured Person following the provision of a loan, or the
interest of a dependent spouse on the earnings of a partner for the financial
security of the family.
To be a life policy the insured event must be based
upon the lives of the people named in the policy, the Life Insureds.
policies are legal contracts and the terms of the contract describe the
limitations of the insured events.
Specific exclusions are often written into
the contract to limit the liability of the insurer; for example, claims
relating to suicide, fraud, war, riot and civil commotion.
MORTGAGE REPAYMENT INSURANCE
the name suggests, mortgage repayment insurance is an insurance product
designed to cover your mortgage payments when you are unable to pay them
because of an injury, illness, or unemployment.
Simply, if you are unable to
pay for your house mortgage, you don't have to worry about them if you have
mortgage repayment insurance.
on the policy you purchased, mortgage repayment insurance can cover you for 12
months or more.
Aside from this, getting protection for your mortgage promises
a number of benefits for you and you precious investment.
insurance is a type of insurance coverage that covers the cost of an insured
individual's medical and surgical expenses.
Depending on the type of health
insurance coverage, either the insured pays costs out-of-pocket and is then
reimbursed, or the insurer makes payments directly to the provider.
Personal InsurancesGet Quote