Home Insurance • Motor Vehicle Insurance • Medical Insurance • Marine Hull and Liability

 
This policy covers the building, household goods and personal belongings which includes jewelry, appliances, satellite dish and computers.
 
Insured Perils

1. Fire or smoke, lightning, explosion, subterranean fire, bush fire.
2. Earthquake or volcanic eruption.
3. Hurricane, storm flood.
4. Riot, strike or labour disturbances.
5. Burglary, housebreaking, theft or attempted theft, larceny, malicious damage or vandalism provided that no member of your household is a party to the loss or damage.
6. Falling trees or branches, but not as a result or lopping by you.
7. Escape of water from any domestic appliance or as a result of bursting or overflow of any apparatus or pipes situated on the premises.
8. Impact by road vehicles, aircraft and other aerial devices or articles dropped from them or animals.
9. Breakage or collapse of radio or television aerials fittings or masts

1. landlords fixtures and fittings, awnings, wall-to-wall carpets, jacuzzis,
2. walls, gates fences and other paved areas,
3. radio and television aerials,
4. fixed water storage tanks and pumps connected thereto, solar water heating systems, water pipes and cables (whether above or below ground)
5. sewage disposal systems

Additional Coverages

1. Accidental Breakage of fixed glass and sanitary fixtures.
2. Accidental Damage to septic pits, underground tanks, drains, pipes and cables providing services to and from home.
3. Cost of Temporary Accommodation or Reimbursement for Rent lost as a result of insured damage – up to 10% of sum insured on Buildings and or contents.
4. Automatic increases in sum insured in respect of cost of presents and extra food and drink purchased for Christmas or family member’s wedding up to 10% of the contents sum insured – Some restrictions apply.
5. Alterations, additions and improvements to the Buildings provided you notify us within 30 days of their completion – up to 10% of the Sum Insured on the building to which they are made.

1. Landlord’s fixtures and fittings
2. Any living animal
3. Property more specifically insured
4. Items used for any trade, occupation or profession unless specified in the policy schedule.
5. Motor vehicles and accessories or anything in or on them.

A motor insurance policy is a commitment from the insurance company that they will indemnify you, the insured, subject to the terms and conditions of your policy. The policy protects you against loss, damage or legal liability that is incurred during the policy period.

Insuring Your Car

Reasons to insure:

1. As the insured you have the security of knowing that you are protected when involved in an accident.
2. Financial institutions require insurance in order to secure a loan.
3. It’s the Law.

1. Impact, collision, overturning, fire, lightning, burglary or theft
2. Liability to Third Parties for bodily injury and property damage

• Name of owner
• Address
• Telephone number
• Registration number
• Type of vehicle
• Name of Insurance Company
• Full Name of driver address (if different from owner)
• Name of potential witnesses and their addresses
• Claims

 
Group Health Plan 
 
Access and affordability of quality health care is a growing concern for everyone. As part of its mission to alleviate the worry and stress associated with health care, NEMWIL has formulated NEMCARE.

This comprehensive medical plan is tailored to allow employers to give workers control over the maintenance or recovery of their good health while taking care of the financial burdens which inevitably arise.

NEMCARE Group Health Plan Covers:

• A choice of Major Medical Maximum Benefit
• Preventative Care
• Immunizations
• Maternity and Postnatal Care
• In-Patient services
• Outpatient Services including Surgery
• Doctor / Specialists’ visits
• Emergency Treatment
• Ground and Emergency Air Ambulance
• Durable Medical Equipment and Prosthesis
• Laboratory Services
• Prescription Drugs
• Chemo / Radiation and Renal Dialysis Therapy
• Psychiatric Care, Substance Abuse and Mental Illness Treatment
• Private Nursing
• Dental
• Vision
• Emergency Overseas Benefit

For vessels used strictly for private pleasure purposes, it provides coverage for: