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Britam Combo Solution

Britam Combo Solution

Britam Combo is a combined solution which offers customers discounted Home insurance and Personal accident with
every Motor Private & Motor commercial Insurance.


¿ Offers a full package for an individual insurance needs
¿ Discounted rates
¿ The insured/driver is covered unlike ordinary covers which prioritize the assets and neglects the owner
¿ Easy to administer as it is treated like one insurance package all the from proposal form to servicing.
¿ No listing of House items
¿ Pro-rated pricing

Motor insurance is an insurance policy that covers the car owner or policy owner in case of financial losses – resulting from an accident, other damages sustained by the insured vehicle or theft. A comprehensive motor insurance policy covers damages to third-party and third-party property along with compensating for own losses as well.


¿ Third Party Only
¿ Fire & Theft (Laid up covers)
¿ Third party, fire & theft
¿ Comprehensive


The policy extensions include:

¿ Personal Accident Benefits;
¿ Loss of Use;                      
¿ Forced ATM withdrawal
¿ Regulated by 
¿ Excess protector
¿ Political violence and terrorism



Did you know that Motor insurance does not cover the owner in case of an Accident? The Britam Combo gives value
to Motor insurance cover by offering you a discounted personal Accident.
There is no substitute to good physical health. Staying in top form means taking the enough precaution whenever the
unexpected happens. Personal Accident insurance (PA) is an annual policy which provides financial compensation in
the event of injuries, disability or death caused solely by violent, accidental, external and visible events.


¿ Weekly payment – Pays a weekly income for the period you are out of work as a result of injury from an accident.
¿ Medical Expenses - Pays for medical expenses that arise from treating you after an accident including dental and
optical expenses
¿ Emergency Evacuation – Covers emergency medical evacuation expenses.
¿ Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics
¿ Permanent Disability – in the event of permanent disability caused by an accident, the insurance pays for a
pre-determined percentage of the insured amount or a pre-determined multiple of salary.
¿ Accidental Death – In the event that life is lost due to an accident, the insurance will pay the total insured amount
or a pre determined multiple of salary
¿ Last Expense


It is a policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents , loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen within the home. Additionally, home insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside.

There is nothing more important than a good, safe, secure home. All your memories, your dearest possessions are lovingly stored here. So, protect them from life’s unexpected events like extreme weather, fire, and other losses with a home insurance cover from Britam.
Generally, home insurance is categorized by two types of cover — buildings and contents. You can get them combined for total peace of mind or buy them separately. The first step is deciding which option is better for you.



It covers residential buildings including landlords’ fixtures, fittings, perimeter wall, gate and fences, all on the same
premises against fire, natural causes e.g. earthquake, storm and lightning, human causes e.g. riot, strike and
malicious damage, explosion e.g. explosion of domestic gas cylinders etc, miscellaneous causes e.g. bursting and
overflowing of water tanks, apparatus, pipes and impact by road vehicles and animals.

Work Injury Benefit Act (WIBA)
This covers domestic servants such as house helps, watchmen, gardeners and drivers in respect of injury, death or
disease arising out of and in the course of employment. The cover is mandatory for all employers as per the Work
Injury Benefit Act (WIBA).

Employer’s Liability
This policy will protect the insured against any burden obtained under the Employer’s Liability Common Law Tort,
which shall be limited to settlement of such awards except exemplary and punitive damages as may be awarded in
judgments passed by competent courts in Kenya against the insured for such liability. Limit Kshs. 500,000/-

All Risks
This covers accidental damage and theft to specified portable items which are carried outside the house such as
jewelry, electronic items like mobile phones, laptops, tablets and cameras. etc.

This section covers the home owners contents including furniture, household goods and personal effects of every
description, the property of the insured or that of any member of his family normally, residing with him, fixtures and
fittings of the insured’s or for which he is legally responsible.
The property is covered against fire, theft following forcible entry or exit, natural causes e.g. earthquake, storm and
lightning etc, human causes e.g. riot, strike and malicious damage, explosion e.g. explosion of domestic gas
cylinders etc, miscellaneous causes e.g. bursting and overflowing of water tanks, apparatus, pipes and impact by
road vehicles and animals.

Occupier’s Liability
This section covers the home owner /occupier against of third party claims for accidental bodily injury and accidental
loss of or damage to property.


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