The time frame any claim takes depends greatly on the type of incident as well as how soon the required information and documentation is supplied to the Activa claims department. Upon submission of all relevant documents, your claim will be settled between 1 to 5 days.
Comprehensive car insurance provides the widest cover – covering your car for theft and hijacking, damages from an accident, fire or explosion and natural disasters like hail and floods, as well as covering damages to your car’s glass and liability to third parties if you’re in an accident. Third Party car insurance is where the policy holder own’s vehicle is not covered but damage or injury to other people and property are covered. For other people property, they are cover up to GHS 2,000 and injuries to other people are unlimited.
The best and easiest way is to create an inventory of all of your household contents with the replacement value of the item. The total replacement value of this entire list is the insurable value.
You would carry a part of the risk in proportion to the amount that you undervalued your household items. In other words, if the actual value of your household contents is GHS200,000 and you have cover for GHS100,000 (50% of the value), Activa will cover 50% of your loss.
Yes, we do. If the vehicle is in good condition, we’ll agree on a value of the vehicle with you, the policy holder, insure your vehicle for that value.
A thorough inspection up front prevents you from having problems in the unfortunate event of having to claim. By giving your vehicle a thorough inspection – determining whether there’s any existing damage to the vehicle, confirming if it is in good working order and obtaining the details of any non-standard accessories and sound equipment, we make sure that we have all the info we need to cover your car properly.
It is almost impossible to give you a quote with so little information. It’s one of those ‘how long is a piece of string’ situations. Please contact our call office or complete an online quote. Our online insurance application will give you an accurate quote based on your insurance needs.
We assume you mean household contents insurance as you would probably not be interested in insuring the structure if you are not the owner. You can certainly get household contents insurance whether you own the property or not.
An excess is an agreed amount of money that you, the client, is liable to pay in the event of a claim being settled. For example, if the excess on your car is GHS 3,000.00, and the damages amount to GHS 50,000, Activa will pay the remaining GHS 47,000.00 once you’ve paid your excess to the repairer.
The basic principal of insurance is this: an insurer should place you back in the SAME position you were in, before you suffered the loss you are claiming for. The idea behind insuring your assets is to financially prepare you for a possible future loss. Bottom line? Activa will replace the items that you lost.
There’s no waiting period before you can claim. As long as your insurance is activated, current and paid up you’ll have cover.
‘Private use’ is when you use your car for private or social purposes, including driving between your home and regular place of work. ‘Business use’ is where the vehicle forms an essential part of the performance of any work or function. If you select ‘Business use’, ‘Private use’ is covered under your policy.
Activa will insure your laptop but not as a stand-alone risk. You would need to have either a home insurance or contents insurance policy to link it to.
Yes. The premiums differ depending on the make and model of the car.
In the event of your car being involved in an accident and driven by your friend you will be covered providing all terms and conditions of your Activa car insurance policy are met.
Yes, we do offer motorcycle insurance. Please visit our website for more info on insuring your bike.
Most policies have an exclusion in their general terms and conditions that exclude damage caused by vermin (rodents). When the exclusion is mentioned in the general terms and conditions it applies to all sections of the policy wording.
It doesn’t really matter how high quality it is or what the frame is made of. What does matter is whether a burglar can get in more easily. In general burglar bars on windows and security gates on sliding doors do reduce the risk of burglaries and your premium will probably be less if you have this additional security installed.
Unfortunately, for young drivers our experience shows that driving risk reduces with age. Basically, older drivers have fewer accidents than young or new drivers. As a result, we base our premiums on a number of factors which may include the age of the driver.
Your brother needs to insure the car with you as the ‘regular driver’ on the policy.
In the unfortunate event of a household insurance claim, Activa can ask you to prove ownership and value of the items you claim for. It is advisable to keep the invoices to ensure that the correct items are quoted on and replaced in the event of a claim.
All vehicles under factory warrantee are repaired with original parts from the specific vehicle dealer. On older vehicles it is a standard procedure in the insurance industry to use secondhand parts on certain items.