What is excess?
An excess is the amount you pay (or we hold back) in the event of any claim, regardless of who’s to blame for the incident. The excess will vary depending on your car, the age and experience of the drivers. Purpose is not to punish client but to deter people from making lots of claims for minimal damage, and to encourage a sense of responsibility towards your assets.
What happens with my excess?
All excesses are clearly specified in your insurance policy schedule or policy booklet and conditions regarding the payment of your excess will vary depending on the policy type, i.e. motor, home plan, etc.
If, however in the event of a motor claim, if we determine you are not ‘at fault’ in an incident and manage to recover from the faulty party, we will re-imburse the excess in full.
What if I am not happy with the way my claim is progressing?
If you are unhappy with the way your claim is progressing or wish to dispute a decision we have made, we have a simple, transparent way of dispute resolution. If you have a complaint, speak with the claim’s processor managing your claim. If they are unable to resolve the matter to your satisfaction, ask to speak to the claim’s manager. If you are still not satisfied with our response, then you are entitled to formally refer your complaint to us.
If I am served with a lawsuit, what should I do?
Let us know immediately. We’ll review the lawsuit and your insurance policy, and then we’ll investigate to see if you’re covered.
How will I be paid if I submit a claim?
Cell Insurance will settle your claim through the following indemnity options:
- Cash In lieu of repairs
- Repair of the damaged property
- Replacement of the damaged property
All payments will be made in accordance with the terms and conditions outlined within your insurance policy.
How long does it take to process a claim?
Depending on the claim, it could take as little as 72 hours to process. The more details you provide, the easier it will be for us to settle your claim. Claims that involve more complicated settlements, such as disputes over liability may take longer to process but we will keep you posted of the developments.
Can my partner or someone else make a claim on my behalf?
Yes, they can lodge a claim on your behalf, but we require written permission from the policyholder before settling any claim. If you are not the policyholder and you ring us directly to lodge a claim, we will ask to verify your personal details and those of the policyholder.
What will happen to my premium if I lodge a claim?
In the event of a claim being successfully processed and paid out, nothing will immediately happen to your premium. Any changes to the premiums if any to be done will be stated on your policy document.
Why should I insure with Cell Insurance?
Cell Insurance Company is the industry leader in the provision of innovative Alternative Risk Transfer Solutions in Zimbabwe.
Cell Insurance is a Licensed Short-term insurance company in terms of the Insurance Act of Zimbabwe and the only licensed Cell captive insurance company.
We at Cell insurance are consistently recognized for our success as an innovative short-term insurance company.
Cell Insurance has vast underwriting experience personnel with a philosophy deeply rooted in Risk Management services.
We offer flexible tailor-made insurance solutions that far exceed our customer expectations and we have a strong reinsurance back up for all our insurance products.
Cell Insurance is also ISO9001:2015 certified, a sign of strong commitment to quality service delivery.