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General Insurance

Ethiopian Insurance Corporation provides different types of general insurance policies.

Motor & Property Insurance Polices

Commercial vehicles policy which applies to commercial vehicles: This policy indemnifies the insured against loss of or damage to the insured commercial motor vehicle and/or its accessories

Motor-Commercial Vehicle

Commercial vehicles policy which applies to commercial vehicles: This policy indemnifies the insured against loss of or damage to the insured commercial motor vehicle and/or its accessories
Private vehicles policy is issued to private cars; This policy indemnifies the insured against loss of or damage to the insured private motor vehicle and/or its accessories

Motor-Private Vehicle

Private vehicles policy is issued to private cars; This policy indemnifies the insured against loss of or damage to the insured private motor vehicle and/or its accessories
Condominium insurance is a coverage that helps protect against losses and repair costs for a condominium unit.

Condominium Insurance

Condominium insurance is a coverage that helps protect against losses and repair costs for a condominium unit.
The standard glass insurance policy covers damage or destruction of all fixed glass. This includes windows, door glazing, fanlights, showcases, fixed mirrored glass and glazed partitions.

Plate Glass

The standard glass insurance policy covers damage or destruction of all fixed glass. This includes windows, door glazing, fanlights, showcases, fixed mirrored glass and glazed partitions.
Burglary & House Breaking Insurance is a type of insurance policy that provides coverage against any damage/loss caused burglary & house breaking.

Burglary & House Breaking

Burglary & House Breaking Insurance is a type of insurance policy that provides coverage against any damage/loss caused burglary & house breaking.
This insurance policy indemnifies the insured against financial loss or damage to privately owned property being damaged or destroyed by fire or lightening and other related perils.

Fire and Allied Perils

This insurance policy indemnifies the insured against financial loss or damage to privately owned property being damaged or destroyed by fire or lightening and other related perils.
Householders' Comprehensive Insurance, an all risks policy provides you and your family with an extensive coverage for accidental damage to your home contents and personal valuables such as home decoration, furniture, electrical appliances, jewellery, watches, etc.

Householders Comprehensive

Householders’ Comprehensive Insurance, an all risks policy provides you and your family with an extensive coverage for accidental damage to your home contents and personal valuables such as home decoration, furniture, electrical appliances, jewellery, watches, etc.

Marine & Aviation Insurance Polices

Marine Insurance is a type of insurance policy that provides coverage against any damage/loss caused to cargo, vessels, ships, terminals, etc. in which the goods are transported from one point of origin to another.

Marine (Cargo and Hull)

Marine Insurance is a type of insurance policy that provides coverage against any damage/loss caused to cargo, vessels, ships, terminals, etc. in which the goods are transported from one point of origin to another.
Aviation Insurance is a type of insurance policy that provides coverage against any damage/loss caused to cargo, passengers, aircrafts, airports, etc. in which the goods/passengers are transported from one point of origin to another.

Aviation (Cargo & Hull)

Aviation Insurance is a type of insurance policy that provides coverage against any damage/loss caused to cargo, passengers, aircrafts, airports, etc. in which the goods/passengers are transported from one point of origin to another.
This policy covers any loss /damage to the goods-in-transit while the goods are transported from one point of origin to another.

Goods-in-Transit

This policy covers any loss /damage to the goods-in-transit while the goods are transported from one point of origin to another.

Engineering Insurance Polices

Contractors All Risk (CAR) Insurance Policy is suitable for Construction of Civil works as well as composite projects.

Contractors All Risk

Contractors All Risk (CAR) Insurance Policy is suitable for Construction of Civil works as well as composite projects.
This is an insurance of contractors’ plant and machinery covers any unforeseen and sudden physical loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.

Contractors Plant & Machinery

This is an insurance of contractors’ plant and machinery covers any unforeseen and sudden physical loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
Boiler and machinery insurance protects companies from costly physical and financial damages caused by the breakdown or malfunction of boilers and other manufacturing equipment.

Boiler Insurance

Boiler and machinery insurance protects companies from costly physical and financial damages caused by the breakdown or malfunction of boilers and other manufacturing equipment.
Deterioration of stock insurance is a policy that covers damage to goods stored in specified cold storage spaces, which occurs because of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.

Deterioration of Stock

Deterioration of stock insurance is a policy that covers damage to goods stored in specified cold storage spaces, which occurs because of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.
Erection All Risk (EAR) Insurance Policy is suitable for erection of individual machines as well as composite projects and connected civil engineering works.

Erection All Risks

Erection All Risk (EAR) Insurance Policy is suitable for erection of individual machines as well as composite projects and connected civil engineering works.
EEI Policy protects the Owner, Lessor or Hirer (where responsible either legally or through a Leasing agreement) of electronic equipments.

Electronic Equipment Insurance

EEI Policy protects the Owner, Lessor or Hirer (where responsible either legally or through a Leasing agreement) of electronic equipments.
Machinery Breakdown Insurance is an ideal cover for all kinds of plant and machinery, to cover cost of repairs or replacement of damaged parts as a result of unforeseen and sudden physical damages.

Machinery Breakdown

Machinery Breakdown Insurance is an ideal cover for all kinds of plant and machinery, to cover cost of repairs or replacement of damaged parts as a result of unforeseen and sudden physical damages.
This insurance indemnifies the actual loss of gross profit sustained as a result of business interruption caused by accident covered under machinery breakdown insurance.

Machinery Loss of profit

This insurance indemnifies the actual loss of gross profit sustained as a result of business interruption caused by accident covered under machinery breakdown insurance.

Liability Insurance Polices

This policy indemnifies the insured against all sums which the insured is legally liable to pay as damages in respect of accidental bodily injury to any person, loss of or damage to material property happening during the period of insurance and caused by or arising from goods sold, supplied, delivered

Product Liability

This policy indemnifies the insured against all sums which the insured is legally liable to pay as damages in respect of accidental bodily injury to any person, loss of or damage to material property happening during the period of insurance and caused by or arising from goods sold, supplied, delivered
This is a policy taken out by a road transport operator to cover loss or damage to the goods being carried on behalf of the operator’s clients. This product is only available as an annual cover and is designed specifically for road transport operators performing inland transits within Ethiopia.

Inland Carriers Liability

This is a policy taken out by a road transport operator to cover loss or damage to the goods being carried on behalf of the operator’s clients. This product is only available as an annual cover and is designed specifically for road transport operators performing inland transits within Ethiopia.
The policy provides indemnity to the insured against legal liability for damages and claimants costs and expenses in respect of bodily to or death, diseases or illness of any person employed caused during any period of insurance, arising out of and in the course of employment by the insured in the business.

Workmen’s Compensation

The policy provides indemnity to the insured against legal liability for damages and claimants costs and expenses in respect of bodily to or death, diseases or illness of any person employed caused during any period of insurance, arising out of and in the course of employment by the insured in the business.
This policy is meant for professionals to cover liability falling on them as a result of errors and omissions committed by them whilst rendering professional service.

Professional Indemnity

This policy is meant for professionals to cover liability falling on them as a result of errors and omissions committed by them whilst rendering professional service.
This insurance offers coverage to warehouse operators that store property of others.

Warehouse Operators Liability

This insurance offers coverage to warehouse operators that store property of others.

Agricultural Insurance Policies

Crop insurance is purchased by agricultural producers, including farmers, ranchers and others to protect against either the loss of their crops due to natural disasters, or the loss of revenue due to declines in the prices of agricultural commodities.

Crop Insurance

Crop insurance is purchased by agricultural producers, including farmers, ranchers and others to protect against either the loss of their crops due to natural disasters, or the loss of revenue due to declines in the prices of agricultural commodities.
Livestock insurance is protection against accidents and unexpected events that may affect your animals. This insurance coverage is customizable, so whether you have pigs, cattle, sheep, goats, chickens, or a mixture, you are covered.

Live Stock Insurance

Livestock insurance is protection against accidents and unexpected events that may affect your animals. This insurance coverage is customizable, so whether you have pigs, cattle, sheep, goats, chickens, or a mixture, you are covered.
Index insurance is a relatively new tool that farmers can use to help manage risk. It pays out based on an index, such as rainfall, measured at a local weather station or by satellite, rather than based on a consequence of weather, such as a farmer's crop yield.

Weather Indexed Crop Insurance

Index insurance is a relatively new tool that farmers can use to help manage risk. It pays out based on an index, such as rainfall, measured at a local weather station or by satellite, rather than based on a consequence of weather, such as a farmer’s crop yield.
The policy provides cover for loss of or damage to the insured tree/fruits such as grape, citrus, banana, rubber, eucalyptus, tea, oil palm, orchids, roses etc.

Horticulture Plantation Insurance Policy

The policy provides cover for loss of or damage to the insured tree/fruits such as grape, citrus, banana, rubber, eucalyptus, tea, oil palm, orchids, roses etc.

Important Notes

General Insurance Important Notes

Motor

Motor

በተሽከርካሪ መድን ደንበኛው ውል ሲገቡ መጤን ያለባቸው ዋና ነጥቦች

1. ድርጅታችን የሚሰጠው የሽከርካሪ መድን ዋስትና አይነቶችሀ. አጠቃላይ መድን ዋስትና፣

ለ. በሶስተኛ ወገን ላይ ለሚደርስ አደጋ ዋስትናና ተሽከርካሪው ላይ ለሚደርስ የእሳትና የስርቆት አደጋ ዋስትና፣

ሐ. በሶስተኛ ወገን ላይ ለሚደርስ አደጋ ዋስትና ናቸው፡፡

መ. የተሳፋሪና፣ ¼PAB & PLL¼ የሽፍታ /BSG/ ሽፋን በተጨማሪ ማግኘት ይችላሉ፡፡

2. ስለሶስቱም የዋስትና አይነቶች አጭር መግለጫ ካገኙ በኋላ የተሽከርካሪ ባለቤትነት ማረጋገጫ ደብተር /ሊብሬ/ መያዝዎን ወይም ወኪል ከሆኑ የውክልና ሰነድ መያዝዎን ያረጋግጡ፡፡

3. በውል እድሳት ወቅት ቀጣይ ዋስትና ለማግኘት ይቻል ዘንድ ማስታወሻ በአድራሻዎ አማካኝነት አስቀድሞ ይላክልዎታል፡፡ ወዲያውኑ ውሉ እንዲታደስ ፈቃደኛ መሆንዎን ፈርመው መላክ ይጠበቅብዎታል፡፡

4. ውል በሚገቡበት ጊዜ ተሽከርካሪዎ የቅድመ አደጋ ምርመራ መደረግ ስላለበት ተሽከርካሪውን ማቅረብ ይኖርቦታል፡፡ /የድርጅት ተሽከርካሪዎችን አይመለከትም/

5. የተሽከርካሪውን ዝርዝር መግለጫ የመድን መግበያ መጠየቂያ ቅጹ (proposal form) በሚጠይቀው መሠረት ትክክለኛውን መረጃ ያምጡ፣ አድራሻ ለውጥ እንዳደረጉ ወዲያውኑ ለድርጅቱ ያሳውቁ፡፡

6. በተሽከርካሪዎ ላይ አደጋ ደርሶ በውሉ መሠረት የካሣ ክፍያ ሲጠየቁ በውሉ ለይ የተገለጸው የአደጋ መነሻ (Excess) ክፍያ በእርስዎ እንደሚሸፈን አይዘንጉ፡፡

7. በውሉ ዘመን ውስጥ አደጋ ካላደረሱ በዕድሳት ወቅት የአረቦን ቅናሽ እንደ¸Ãsg”Lã ይገንዘቡ፡፡ በተጨማሪም በፈቃደኝነት የአደጋ መነሻ (voluntary excess) ከተቀበሉ የአረቦን ቅናሽ እንደ¸ÃSg”Lã ይገንዘቡ፡፡

8. ተሽከርካሪዎ ለጥገና ሲቆም (laid up) ውሉን ማቋረጥና ተጠግኖ ሲወጣ ውሉን መቀጠል ይኖርብዎታል፡፡ የቆይታ ጊዜውን በሚመለከት የግል ተሽከርካሪ ቢያንስ ከውል ዘመን ውስጥ ለአራት ተከታታይ ሳምንታት፣ የጭነት ተሽከርካሪ ለአሥራ ሁለት ተከታታይ ሳምንታት መቆየት ይኖርበታል፡፡

9. መድን የሚገባለት ተሽከርካሪዎ ከቀረጥ ነፃ ከሆነ ዋጋውን ለመተመን እንዲያስችል ከጉምሩክ የቀረጥ መጠኑን ማቀረብ ይጠበቅቦታል፡፡

10. ተሽከርካሪዎን ለመንዳት የሚያስችል ሕጋዊ መንጃ ፈቃድ ሳይዙ ማሽከርከር እና ከተፈቀደው ጭነት በላይ ጭኖ ማሽከርከር እንዲሁም ዋስትና ያልተገባለት ተሳቢ ሲጎተት አደጋ ቢደርስ ሽፋን እንደሌለውና መሰናክል እንደሚሆኑ አይዘንጉ፡፡

11. የንግድ ተሽከርካሪን በሚመለከት ለአሽከርካሪዎ ተጨማሪ የሠራተኛ ጉዳት ዋስትና መግባት እንዳለብዎ አይዘንጉ፡፡

12. bComesa አባል አገራት ተሽከርካሪዎ በሶሶተኛ ወገን ላይ ለሚያደርሰው ጉዳት የቢጫ ካርድ በመግዛት ሽፋን የሚያገኙ መሆኑን ይገንዘቡ፣ /ወደ ጅቡቲ እና ሱዳን ክልል በተሽከርካሪው ለሚደርስ ጉዳትም ይጨምራል/ ለተሽከርካሪው አጠቃላይ ሽፋን በመግዛት የሽፋኑን መጠን ከፍ ማድረግ ይቻላል፡፡

13. ተጨማሪ ማስረጃ ወይም ሰነድ እንደ አስፈላጊነቱ ሊጠየቁ ይችላሉ፡፡

በተሽከርካሪ ላይ አደጋ ሲደርስ ደንበኛው ማሟላት ያለባቸው ዋና ነጥቦች

ካሣ

1. በንብረትዎም ሆነ በሶስተኛው ወገን አደጋ እንደደረሰ ወዲያውኑ በአቅራቢያዎ ለሚገኘው የመድን ድርጅት ቅርንጫፍ ያመልክቱ፡፡

2. የአደጋው ሁኔታ በአፋጣኝ በትራፊክ ፖሊስ፣ በድርጅቱ ኢንስፔክተር እንዲታይ ያድርጉ፣ ተገቢውን መረጃ በመሰብሰብ እና በመስጠት የበኩልዎን ድርሻ ይወጡ፡፡

3. ስለአደጋው አደራረስ በድርጅቱ በተዘጋጀው የአደጋ ማሳወቂያ ቅጽ ላይ የተሟላ መረጃ በመስጠት ስለተክክለኛነቱ በፊርማዎ ያረጋግጡ፡፡ ማንኛውንም የካሣ ጥያቄ በተመለከተ ከድርጅታችን እውቅና ውጪ ከሶስተኛ ወገን ጋር ድርድር ወይም ስምምነት ወይም ኃላፊነትን አይቀበሉ፡፡

4. ተሽከርካሪዎ የጭነት ከሆነ አደጋ ከደረሰበት ቦታ ወደ ሪከቨሪ መውሰድ እነዲቻል የተጫነውን ጭነት በማራገፍ በኩል አፋጣኝ እርምጃ ይውሰዱ፡፡

5. በንብረትዎ ላይ ጉዳት ወይም አደጋ እንደደረሰ ንብረትዎ ለበለጠ ጉዳት እንዳይጋለጥ ንብረትዎን ማስጠበቅ ይኖርብዎታል፡፡

6. ተሽከርካሪው በባለሙያው ተመርምሮ ከጥቅም ውጭ ወይም ሙሉ ውድመት ከደረሰበት አስፈላጊውን ክፍያ ለመፈጸም ይቻል ዘንድ የሚከተሉትን ሊያሟሉ ይገባል፡፡

ሀ/ የባለቤትነት መታወቂያ ደብተር /ሊብሬ/ እና ልዩ የተሽከርካሪ ምዝገባ /ለንግድ ተሽከርካሪ/ ማቅረብ፣

ለ/ ድርጅቱ ቅሪቱን ለመሸጥ ለመለወጥ የሚያስችለው ሕጋዊ ውክልና መስጠት፣

ሐ/ ከመንገድ ትራንስፖርት አስፈላጊው የተሽከርካሪ ግብር ለመክፈልዎና እዳና እገዳ እንደሌለበት ማረጋገጫ ማቅረብ፣

መ/ ከአገር ውስጥ ገቢ መ/ቤት በተሽከርካሪው ላይ የሚፈለግ ግብር አለመኖሩን የሚገልጽ ማረጋገጫ ማቅረብ፣

ሠ/ ወኪል ከሆኑ ህጋዊ የውክልና ማስረጃ ማቅረብ፣

7. በመጨረሻም ጥገናው ለመከናወኑ (Satisfaction Note) ፈርመው ተሽከርካሪውን መረከብ ይችላሉ፡፡

8. በተለይ ያገለገለ ተሽከርካሪ ላይ በጥገና ወቅት በተለዋጭ እቃዎች ላይ የሚጣለውን የእርጅና መዋጮ መክፈል፣

9. በ Comesa አባል አገራት ተሽከርካሪዎች በሶስተኛ ወገን ለሚደርሰው አደጋ ቢጫ ካርዱን ለክልሉ የኮሜሳ ቢሮ በማሳየት የካሣ መስተንግዶ ማግኘት ይችላሉ፣

10. ሌሎች መረጃዎች እንደ አስፈላጊነቱ ሊጠየቁ ይችላሉ፡፡

Service Forms

General Insurance Service Forms

Claim Forms
  1. Notification of Claim for Accidents and Diseases
  2. Notification of Claim for Marine
  3. Notification of Claim for Motor Accident

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