DOLEXO INSURANCE AGENCY - Nairobi, Kenya

Motor Vehicle
Loss or damage – cost of repairs or reinstatement follow accident collision or overturning of the vehicle, fire, external explosion, self-ignition or lighting, burglary, housebreaking or theft malicious damage, cost of protection and removal to repairs following damage in transit by road transport, rail inland waterway, lift or elevator, liability to third parties –death or bodily injury, damage to property, medical expenses arising from an accident to the vehicle but not exceeding the limit stated.


• Motorcycle Insurance
Why do you need insurance for your motorcycle? You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
• If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.

What is Home insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.


Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need home insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.If a guest in your home is injured, liability protection and medical coverage help pay expenses.If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.

This insurance package covers accidental loss or damage to residential homes and or contents of a dwelling house including your valuable items normally carried or worn. It incorporates your personal liability and that of your house hold members. The policy also covers the cost and expenses that you incur in the event of death of or injury or disease to your domestic servant arising out of and in the course of his or her employment as defined in the Work Injury Benefits Act.

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.


Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permaent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.


But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional from Dolexo Insurance Agency. We will guide you through it.