Questions about insurance? Start here.

What is insurance?

Insurance is a financial arrangement that helps protect you, your family or your business against specified risks and unexpected financial losses. You pay a premium for the agreed cover, and the insurer provides protection according to the terms, conditions and exclusions of the policy.

Why do I need insurance?

Insurance can help protect you from significant financial losses arising from events such as accidents, illness, property damage, liability or other insured risks. The appropriate cover depends on your circumstances, assets, responsibilities and business needs.

How can Mfarusi help me?

Mfarusi Insurance Agency Ltd can help you understand your insurance needs, identify suitable insurance solutions, request quotations, compare available options and receive guidance throughout the insurance process. Our role is to help make insurance easier to understand and manage.

What types of insurance does Mfarusi handle?

Mfarusi handles a range of Life and General Insurance solutions for individuals, families and businesses. These include areas such as motor, medical, personal accident, property, fire, marine, business and employee-related covers. Availability and suitability depend on your specific requirements.

How can I request an insurance quote?

You can request an insurance quote through the Mfarusi website by using the quote request page. Provide the relevant information about the cover you need and the Mfarusi team can review your request and guide you through the next steps.

How much will my insurance cost?

The cost of insurance depends on factors such as the type of cover, level of protection required, insured value, risk profile, policy terms and other information relevant to the particular insurance product. A quotation can be prepared after reviewing the information required for the cover.

Can Mfarusi help me compare insurance options?

Yes. Mfarusi can help you understand and compare available insurance options based on factors such as coverage, limits, exclusions, conditions and premium considerations. The aim is to help you make an informed decision based on your insurance requirements.

What information do I need to provide for a quote?

The information required depends on the type of insurance you are requesting. It may include personal or business details, the property or vehicle being insured, required coverage, values, previous insurance information and other risk-related details. Providing accurate information helps the quotation process.

How do I make an insurance claim?

If you need to make a claim, notify the relevant insurer or Mfarusi as soon as reasonably possible and provide the information and supporting documents required for the claim. You can also use the claims section of the Mfarusi website to start the process and receive guidance on the next steps.

What documents are required for a claim?

The documents required depend on the type and circumstances of the claim. Supporting documents may include policy details, identification, incident reports, photographs, medical documents, police reports, invoices, receipts or other relevant evidence. Mfarusi can guide you on the documents applicable to your claim.

Does Mfarusi assist with claims?

Yes. Mfarusi can assist customers with the claims process by providing guidance on the required information and documentation and helping with communication and follow-up where applicable. Claims remain subject to the terms, conditions and assessment requirements of the relevant insurance policy.

What should I do if my claim has a problem?

If you experience a problem with a claim, contact Mfarusi and provide your policy and claim details together with any relevant correspondence or supporting information. The team can review the matter and guide you on the appropriate next steps.

What should I check before accepting a policy?

Before accepting a policy, review the coverage, limits, exclusions, conditions, premium, excess or deductible, policy period and other important terms. Make sure the information provided is accurate and that the cover meets your requirements. Ask for clarification where anything is unclear.

Can I request changes to my policy?

Policy changes may be possible depending on the type of policy and the requested amendment. Contact Mfarusi with your policy details and explain the change required. The request will be reviewed according to the terms of the policy and the requirements of the relevant insurer.

How does policy renewal work?

Policy renewal depends on the type of insurance and the terms of the policy. Before renewal, review your current cover and advise Mfarusi of any changes in your circumstances or insurance requirements. Renewal terms, premiums and coverage may be subject to review by the relevant insurer.

How do I get my policy documents?

If you need a copy of your policy documents, contact Mfarusi and provide your relevant customer or policy details. The team can guide you on obtaining the applicable policy documentation from the insurer or through the available customer service process.

Does Mfarusi provide business insurance?

Yes. Mfarusi provides insurance guidance and solutions for businesses, including covers designed to address property, liability, employee-related and other business risks. The appropriate cover depends on the nature, size and specific risks of your business.

Can small and medium businesses get insurance advice?

Yes. Small and medium businesses can seek insurance guidance from Mfarusi to identify risks and consider suitable insurance solutions. The advice and recommended cover can be tailored to the nature of the business and its particular risk exposures.

Does Mfarusi handle employee-related covers?

Yes. Mfarusi handles employee-related insurance solutions, subject to the applicable product and insurer requirements. These may include areas such as Group Life, Group Medical, Personal Accident, WIBA and other relevant employee-related covers.

Can Mfarusi review our business insurance needs?

Yes. Mfarusi can review your business insurance requirements and help identify areas where insurance protection may be appropriate. The review can consider your business activities, assets, employees, liabilities and other relevant risks before suitable options are discussed.