? What is an insurance Broker?

An insurance broker will help you identify the risks you are exposed to. The broker will advise you on what insurance products are available for these risks and, at your request, source the insurance covers that suit your needs from any number of local or foreign insurers. The broker will discuss the various options with you and help you select the best option and when agreed place the cover with the chosen insurer and arrange the documentation. The broker will also help you with general insurance advice and look after any amendments to the policies that may be required. In the event of a claim, the broker will assist you in the submission of the claim and will liaise between you and the insurer to bring the claim to a successful resolution.

? Why use an Insurance Broker?

In both business and private matters it is important that you have the right insurance cover. Wrong or inadequate protection can lead to dreadful consequences, thus the right advice makes all the difference and prevents costly mistakes. An insurance broker is a specialist in insurance protection, is independent and has invaluable know-how of the insurance market as well as access to the most reputable insurers available to provide professional and objective advice on identifying and exposing risks and recommend the most cost effective solutions.

? What Service does an Insurance Broker Offer?

An insurance broker offers a range of services from arranging new covers, insurance quotes, renewals and assists on claims; covering all classes of insurance business be it Personal Lines to Commercial Lines. The broker forms an on-going relationship with you to acquire all the knowledge required to provide a better service to you.

? How do brokers handle claims?

Brokers give advice and assist you in compiling and submitting your claim to the insurer. They arrange for a claim form to be completed by you, monitor the claim process and liaise between you and the insurer to bring it to a successful resolution.

? Does an Insurance broker operate the same way as an Insurance Agent?

No, notwithstanding the fact that both are insurance intermediaries, there is a big difference between the two. Whereas an insurance agent acts on behalf of one or more insurance companies and can only access the products offered by the insurers the agent represents, an insurance broker is a full-time insurance professional, who works for you and acts on your behalf. The broker is independent, obliged to act in your best interests and can arrange the best protection for you at a competitive rate.

? Is it cheaper to go directly to go directly to an insurer?

When insurers calculate their premium rating, this also includes a standard distribution cost. Essentially, this means that whether you use an insurance broker or go directly to the insurer, the price will generally be the same. You should keep in mind that the cheapest price may not always reflect good value. Using an insurance broker may not cost you more and, as far as possible, the broker will help you prevent uninsured losses.

? What do I do to place an insurance claim?

No claim is the same. The moment you are aware that you may need to make a claim against your insurance policy, you need to inform us immediately by either calling us on 0709619000 or else sending us an email on wecare@majaninsure.com. We will take it from there and assist you step by step accordingly.
In the event that you have suffered a loss outside our opening hours, you need to remember some basic tips:

  • Motor accident – complete front-to-rear form if applicable, file report with police  and get an abstract/OB
  • Fire or theft – file report with police.
  • Travel claim – file reports with overseas authorities, hotel or airline management depending on the case.
  • Healthcare claim – you must always have a referral from your G.P.
  • Claim relating to equipment – get a technician’s report and ensure you keep all faulty equipment and cables.

In all cases you should take photographs whenever possible and inform us as soon as possible.

? Why should I choose Majani Insurance Brokers?

Majani Insurance Brokers is a, dynamic and flexible broker; with many years of experience in the insurance industry. We offer a vast insurance product range at competitive prices sourced from the most reputable insurers countrywide. Our clients vary from individuals insuring their only motor vehicle to small-medium sized businesses to large companies that have invested alot in their business and want to have continuous peace of mind. Our service commitment to you will always be high irrespective of size and location. Once you appoint us, we work for you and provide you with continuous assistance to satisfy your insurance needs. When you talk to Majani Insurance Brokers, you deal with insurance professionals who know how to match your requirements with the right policy, and the right insurer at the right price. In the event of a claim we guide you and provide you with all the assistance possible to ensure a fast and satisfactory settlement of claims.

? I want to renew the Insurance of my car, how do I go about it?

You can contact our head office directly on 0709619000.

? Why do I need to review the insured value of my car?

Motor vehicles depreciate and the value of cars is constantly changing. It is your responsibility to ensure that the sum insured reflects the current market value and provide us with this. It is in your interest as in the event of a total loss claim you will be paid up to the current market value of your car.

? What is excess protection in comprehensive car coverage?

Excess protection insurance helps you recover the excess you've paid after making a claim. It's also known as insurance excess cover or excess reimbursement insurance. Excess protection is typically bought as part of a car, home, property or landlord insurance package. It isn't usually available as a standalone policy

? I’m planning a holiday abroad; at what point in time do I purchase a travel Insurance cover?

A travel insurance policy does not just cover various risks during your trip overseas but also offers cover against Cancellation and Curtailment Charges. Therefore to enjoy the full benefits of the policy it is advisable that you take out the insurance immediately when you pay for your flights, accommodation etc.

? I’m thinking of taking out healthcare insurance. Are pre-existing conditions covered?

A pre-existing condition may affect your health insurance coverage. Most companies will not cover such conditions whilst others may exceptionally accept you conditionally by providing a pre-existing condition exclusion period.



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Head Office: 5th Floor Chai House, Koinange Street, Nairobi