Upendo All Risk Insurance delivers extensive coverage for a wide range of perils, including fire, theft, accidental damage, and natural disasters. It provides comprehensive protection for valuable assets, ensuring financial security and peace of mind. With flexible options and broad coverage, this insurance is ideal for managing risks associated with valuable property and assets.

Your House

Whether you need coverage for a small sum or a large one, for a single location or multiple locations, we offer the best insurance protection available. Our comprehensive policy provides full coverage for all household assets, including your building, personal property, and liability, all at competitive rates.

Your Business

Protect your business with our comprehensive insurance plan, covering your building, stock, and liability (on premises only). Coverage is subject to maintaining a stock register, ensuring you have the support you need to safeguard your business assets.

Your Office

This comprehensive insurance plan is the perfect solution for your office, offering coverage for your building, office property, and liability, all at a competitive rate. Coverage includes:

• Furniture, fixtures, and fittings
• Electronic equipment
• All-risk items, such as mobile phones, tablets, and laptops

(Note: Coverage applies to on-premises only.)

Information Required

To obtain Upendo All Risk Insurance, insurers typically require the following information:

• Property Details: Description and value of the property to be insured, including measurements and location.
• Risk Assessment: Details of potential risks and preventive measures in place.
• Insured Items: List of items or assets to be covered, with their value and specific details.
• Previous Claims: History of past claims or incidents related to the property.
• Policy Limits: Desired coverage limits and any special requirements.

Coverage Details

Upendo All Risk Insurance typically includes coverage for:

1. Fire: Damage or loss caused by fire incidents, including accidental and deliberate fires.
2. Lightning or Thunderbolt: Damage resulting from lightning strikes or thunderbolts.
3. Explosion: Coverage for damage caused by explosions, including those resulting from equipment failure or other causes.
4. Theft: Loss of or damage to property due to theft, including burglary and break-ins.
5. Burglary: Loss or damage resulting from burglary, including forced or violent entry.
6. Accidental Damage: Coverage for damage caused by accidents, including accidental breakage or mishandling.
7. Natural Disasters: Protection against damage from natural events such as earthquakes, floods, storms, and tsunamis.
8. Vandalism: Damage caused by acts of vandalism or malicious intent.
9. Civil Disturbances: Coverage for damage resulting from riots, strikes, or civil commotion.
10. Impact Damage: Loss or damage caused by impacts from vehicles, animals, or other objects.

Exclusions

While Upendo All Risk Insurance offers extensive coverage, certain exclusions generally apply:

• Wear and Tear: Damage resulting from normal wear and tear or gradual deterioration.
• Pre-existing Conditions: Damage or loss occurring before the policy was in effect.
• Negligence: Damage resulting from negligence or improper maintenance by the insured.
• Illegal Activities: Loss or damage resulting from illegal activities or violations of law.
• War and Terrorism: Damage caused by war, terrorism, or similar acts.
• Nuclear Risks: Damage resulting from nuclear incidents or radioactive contamination.

Benefits

Upendo All Risk Insurance provides several key benefits:

• Comprehensive Protection: Covers a broad range of risks, offering extensive protection for valuable assets.
• Financial Security: Reduces the financial burden of repairing or replacing damaged property.
• Peace of Mind: Provides assurance that various unforeseen events are covered.
• Flexibility: Can be tailored to meet specific needs and risks associated with the insured property.
• Quick Restoration: Facilitates prompt repair or replacement of damaged items, minimizing disruption.

Requirements for Cover

To secure your coverage, please provide the following:

• Duly Completed Proposal Form
• List and Breakdown of Items to be Covered: Include value separation and serial numbers.
• Number/Certificate/Valid NIDA ID
• Pre-Inspection Photos of the Insured Items
• Premium Payment

Ensure all documentation is accurate and complete for a smooth and efficient coverage process.

In the Event of a Claim

For assistance with your claim, please contact us:

• Phone: +255 718 422 229
• Email: claims@bluetickinsurance.com

Minimum Claim Requirements

To process your claim, please provide:

• TIN Number/Certificate/Valid NIDA ID
• Completed Claim Form
• Any Additional Documents Requested

Ensure you have all required documentation for a smooth and efficient claims process.