Full third party

• Motor insurance is compulsory for motor vehicle owners and third party is the basic (least) cover a motorist can have. It covers liability for death or bodily injury to third parties including third party property damage through your fault.
• Premium and cover limits are gazetted by the Government.
• In the event that one crash into another car or someone else’s property, FBC will pay for the damage to the other car or property.

Policy Covers

• Cost of repair or replacement of the third party’s damaged property.
• This policy covers only the amount for which you are legally liable to a third party if your vehicle is involved in an accident.

Requirements when registering

• Full name of the insured
• National identification number of the insured
• Date of birth of the insured
• Physical address
• Cellphone number of the insured
• Email address of the insured
• Period of cover
• Make and model of the vehicle
• Registration number (if available)

N.B: cover note which needs to be affixed to your vehicle’s windscreen, will be printed when you obtain ZINARA license disc.

Definition of wording

• Accident – unforeseen event or occurrence
• Contract – an agreement made by two or more parties with the intention of creating a legal obligation between them.
• Cover – the protection provided by insurance.
• Cover note – temporary evidence of granting of insurance
• Damage – to injure, harm or cause destruction
• Insurance – means of compensation if any accidental misfortune happens.
• Liability – claim upon one’s assets by another person.
• Third party – person who is not a party to the contract
• Premium – money paid to the insurer in exchange for insurance protection

Claim procedure

• At the occurrence of an accident, do not admit guilt or liability.
• Inform third parties that your insurance company is handling the matter.
• Do not pay a deposit or admission of guilt fine or attempt to compromise a settlement without consulting the Insurer.
• Notify the Police within twenty four hours and obtain a copy of the police report.
• Record details of the other vehicle, the owner/ driver, witness and if possible draw a plan of the accident scene.
• Please notify our nearest branch as soon as reasonably possible but in any event within 30 days of any incident which may result in a claim. Do not wait until a letter of demand or a summon is issued.
• Submit to Jet stores fully completed claim form, copy of driver's license and a police report (incomplete forms will be returned).

Policy exclusion

• Consequential loss of any kind.
• Unlicensed drivers.
• Driving under the influence of alcohol/ drugs.
• Late submission of claims could result in repudiation on the grounds of late notification.