We are exposed to different risks caused to properties and individual during our whole life such as:-

• Deterioration of heath condition
• Death.
• Retirement.
• Exposure of properties to perils of theft, fire, and traffic accident.
• Liability perils (third party) they are the perils that occur to other person or his property and the insured is answerable to the law.

Insurance is a means of protecting you from loss and damage resulting from risks you may sustain by referring impact of such risks to insurance company.

Basis of Co-operation: Help one another in al-Birr and in al-Taqwa (virtue, righteousness and piety), to redress damage among participants in case of death or disability during the period of participation.

You can approach any of our branches throughout Sudan from which you can fill the insurance form (Insurance form can be collected from company electronic website) then you can find your insurance in question where policy is issued.

Insurance form is a preliminary insurance contract, the insured or his representative should fill and signed the same with correct information, and then policy insurance is issued accordingly. Policy insurance is deemed as final contract and binding to all parties. Therefore insurance form is an integral part of policy insurance.

It covers liabilities toward other in case of physical injury, death, financial damage suffered by another person property, as a result of usage of automobile by the insured or an authorized driver who got a permit from the insured.

Comprehensive Insurance covers specific risks in the policy such as:
collision or automobile toppling, fire, external explosion, theft or attempt to theft, transfer of automobile by any means after notifying the company in writing before transferring. Any other coverage not mentioned here , should requested from the company against additional premium.

It is the actual value of automobile in the market on the day in which the same is insured. Please stick to insure you auto according to actual value of market so as not to apply on you the proportional condition in case of indemnity as a result of accident of you automobile.

Proportional condition is applied as a result of instability of automobile prices in the market. One of the duties of the insured is to evaluate his/her automobile from time to time, and notify the company with same.
It is calculated as follow:
Proportional condition = (amount of claim* automobile name value in the policy)\ the actual amount in the hour in which the accident took place.

The insured is not entitle to conduct any agreement on indemnity or settlement with anybody without company approval in writing, according to the way the company feel fit.