Hamilton Insurance Terms and Conditions
This document sets out the terms and conditions of Hamilton Insurance (Private) Limited (“Insurer”) to its Customers. Please read and fully understand each clause set out in these terms and conditions.
These terms and conditions can be changed on approval by the Commissioner of Insurance and but subject to sixty (60) days’ notice to customers. The Insurer will notify Customers by SMS and/or by email where applicable, of amendments to these terms and conditions and ensure that they are available at all customer service touch points and on the official website (www.hamiltoninsurance.co.zw). When a Customer registers with Hamilton Insurance, the Customer must know and fully understand the terms and conditions set out in this document. Any customer who does not accept the changes to the terms and conditions of this agreement shall notify the Insurer in writing within thirty days of posting of the amendments at the customer touch points, and such notification shall be deemed to constitute termination of the insurance policy with effect from the date on which the new amendments take effect.
Confirmation of registration means that the Customer agrees to abide and be bound by these Terms and Conditions, in respect to Hamilton Insurance Policies.
1. Hamilton Insurance
Is a short term insurance company providing insurance products which includes motor insurance, home comprehensive insurance etc.
2.1 An individual may register as an Hamilton Insurance customer through the Hamilton Insurance Mobile Phone App, website, USSD or through any other means as may be advised by the Insurer. They may then insure their vehicles through the same platforms.
2.2 To complete the registration process, the customer will be required to provide the following information:
2.2.1 Full Name
2.2.2 ID Number
2.2.3 Phone Number
2.3 A fully registered customer may add vehicles under their Hamilton Insurance profile. There is no limit to the number of vehicles that can be added under one’s profile. These vehicles may then be insured individually under distinct policies for each vehicle.
3 Policy Commencement and Duration
3.1 Cover under Hamilton Insurance is effective from the time of payment of the premium.
3.2 The Insurer reserves the right to decline cover for any vehicle insured through any channel. Where cover has been declined, the Insurer will return all premiums paid and cover will be declared void from the beginning.
3.3 Where cover is declined, the insurer will inform the customer through SMS, Phone Call, e-mail or any other means that may be available to both the Customer and the Insurer.
3.4 All refunds will be done through the same payment channel used to pay the premium.
3.5 All policies shall have a minimum period of one year .However premium can be paid once off in advance or as equal instalments at the beginning of each term( ie four months)
3.6 Where premiums are paid once off in advance, cover shall be active throughout the policy term
3.7 Where termly premiums are paid, cover shall last for four months and will be automatically be renewed upon payment of the premium.
3.8 After the Insurer has accepted cover for the vehicle, no premium will be refundable for whatever reason.
3.9 The customer must ensure that he has an interest on the insured vehicle.
4.1 The customer may insure their vehicle under the following cover:
4.1.1 Comprehensive standard insurance cover which provides the following benefits:
220.127.116.11 Cover to own vehicle up to the sum insured.
18.104.22.168 Cover to third party property up to $20,000
22.214.171.124 Cover on third party death and injury up to $20,000
4.1.2 Statutory Road Traffic Act Cover which provides the following benefits:
126.96.36.199 Cover to third party property up to $2,000
188.8.131.52 Cover on third party death and injury up to $3,000
4.2 All Hamilton Insurance policies will be entitled to the following additional benefits:
4.2.1 Comprehensive Plus:
184.108.40.206 Free $5 airtime
220.127.116.11 Free Roadside Assistance from Road Angels
18.104.22.168 Free Car Tracker from Econet Connected Car
4.2.2 Comprehensive Standard:
22.214.171.124 Free $5 airtime
126.96.36.199 Free Roadside Assistance from Road Angels
4.2.3 RTA (Third Party)
188.8.131.52 Free $5 airtime
4.3 No benefits are payable in respect to:
4.3.1 An unlicensed driver
4.3.2 Vehicle being driven by a person under the influence of alcohol and any other intoxicating substances
4.3.3 Policy purchased after time of accident
4.3.4 Any fraudulent claim.
4.4 For every Cover Note issued, the customer will be given a dollar airtime voucher.
4.5 The terms and conditions for the Comprehensive and Third Party Cover shall be specified in the policy document and the policy schedule provided to the customer at policy inception.
5 Premium Payment
5.1 All premiums are due on the first day of cover.
5.2 Where premiums are paid at any frequency which is less than the term of the policy, the Customer authorizes the Insurer to debit their Ecocash Wallet for the first Premium and termly thereafter, during the stipulated collection periods.
7 Misrepresentation and Fraud
7.1 Any misrepresentation or non-disclosure of a material fact by the Customer may result in the policy being cancelled, a claim rejected or the policy being voided from inception without any refunds in premiums.
7.2 Any fraudulent act used to obtain any benefit under this policy may render the policy cancelled or void from inception and any claim or premiums paid in such event will be forfeited.