Why choose essential insurance cover

Essential insurance cover provides a low-cost alternative to comprehensive car, contents and buildings insurance. If your vehicle is valued at less than N$100 000, older than five years, and not financed, this could be the product for you. Essential buildings cover will cover your building to maximum of N$200 000 and essential contents cover will provide cover to a maximum of N$50 000. 

Claims settled in cash

Your claim is settled in cash – we will deduct your excess (i.e. first amount not covered) from your final cash payout amount. 

You’re in complete control of the repairs process

Because your claim is paid out in cash, you can shop around for the best price and arrange for repairs at a service provider of your choice.

Liability cover

If you’ve taken out essential buildings insurance, you’ll also receive liability cover (up to N$50 000) if you can be held legally liable for any injuries or damage to someone else’s property. In the case of essential car insurance, you’ll receive liability cover for up to N$1 million.  

Essential car insurance

Essential car insurance

If your vehicle is older than five years, non-financed and worth less than N$100 000, essential car insurance may just be the perfect alternative to our comprehensive car insurance package. You can specify maximum accidental cover for up to 40% of the retail value of the vehicle, you’ll enjoy cover outside Namibia (to include South Africa, Botswana, Lesotho, Malawi, Mozambique, Swaziland, and Zimbabwe) and if your vehicle is stolen, we’ll pay the full retail value minus your selected excess amount. 


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