notre metier COMPREHENSIVE HOME INSURANCE

In Africa, people are not always aware of the importance of insuring their homes despite the exposure to various risks. Whether you are owner or tenant, you can protect your property and personal effects against various perils: fire and explosion, theft, water damage, glass breakage and even your personal liability towards your neighbors for any claim brought against you, and for which you are responsible. A comprehensive home insurance package will give you a wide protection against all the above mentioned perils at a very small price.

CAR INSURANCE

To obtain a comprehensive cover on your policy terms, the best thing to do is consult a broker. We will certainly offer you the most adequate covers that will meet your needs.

1) Third Party Cover:

It is compulsory to insure a vehicle prior to using it on public roads. Third Party car insurance will cover you for any material damage or bodily injury caused to others by your fault.

2) Optional Covers:

Personal Accident cover:
This cover provides protection for injuries sustained by the driver himself (or car occupants). Sums insured are specified in the policy depending on the capital the insured wants to buy.

Collision Coverage:
Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible amount. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is beyond repair

Comprehensive Cover:
It covers the vehicle you may be driving for losses resulting from accidents other than collisions. For example, comprehensive insurance provides cover if your car is stolen or damaged by flood, fire, or animals.

Fire Cover:
It includes the cost of repairs or compensation to the insured if their vehicle is damaged by fire, lightning or explosion (included in a comprehensive policy).

Theft Cover:
It covers the cost of repairs or compensation to the insured if their vehicle is damaged either during attempted theft or while it is stolen and not recovered.

Breakage of Glass Cover:
Standard in a comprehensive policy.

Assistance :
This guarantee covers costs for car towing and repatriation.

Legal protection (for defense and appeal):
Legal costs incurred while defending a claim and representation costs following a prosecution for a motor offence which may give rise to a claim.

HEALTH INSURANCE :

Health insurance operates as a complementary insurance to the AMO which is the Moroccan national compulsory insurance plan. In Morocco, it also provides cover for individuals who seek medical treatment outside the AMO. Private health insurance is very flexible and coverage will depend on the capital the insured want to buy. It covers medical costs for consultation of specialists and generalists, hospital costs, treatment and other additional costs (ambulance fees, laboratory analysis). It is a benefit policy that pays a sum of money in the event of certain contingencies: Temporary disability will give right to a weekly compensation for the time during which the insured is prevented from working due to sickness or injury. Permanent disability will provide an annual compensation or annuity if the insured is unable to work due to severe injury or sickness.

PRIVATE RETIREMENT FUNDS:

Subscribing to a complementary retirement insurance has become paramount in Morocco, as plans are not satisfactory and do not allow, up to this day to build up a reasonable capital for retirement. Many companies offer efficient solutions in terms of private retirement funds, whether for group insurance underwritten by the employer on behalf of his employees, or for individuals who wish to have a reasonable capital for retirement.

Whether you are a lawyer, a doctor, an accountant or an architect, your business might be affected by many risks and hazards:
Your professional liability may arise for acts committed during your activity and which give rise to injury, damage of financial loss. Your business may also suffer damage due to fire, theft or water damage.

ARB offers you tailored insurance solutions:
- A wide Professional indemnity insurance which covers financial losses due to errors, omissions or malpractice,
- A comprehensive cover package to protect your premises,
- Solutions for your other needs such as employer’s liability, health, travel insurance and other allied perils.