Car insurance is divided into two parts
(A) Car insurance against damages to third parties: the third party
The insurance policy against damages to third parties represents the minimum amount of insurance in compliance with the Traffic Law of 1983 and covers civil liability towards any party harmed by the use of the vehicle (other than the owner or user of the vehicle).
(B) Comprehensive Motor Insurance:
The comprehensive car insurance policy covers damages to third parties (civil liability of the car user) for any damages that occur to the insured car, in addition to ensuring that the car owner is compensated for damages as a result of fire, theft, collision or overturning accidents that may occur to the insured car.
Issuance procedures
Fill out a car insurance application.
Car insurance employee inspection.
Claims
Ornic fill out (and sign) an accident declaration.
Enabling the company or its representative to inspect the vehicle to determine the parts affected by the accident.
Submit a copy of the driver's license at the time of the accident.
Submit a copy of the vehicle search certificate.
Submit the original police report stamped by the Public Prosecution Office.
Submit a copy of the insurance of the other party causing the accident (in the event that the accident is due to the fault of the other party).
Delivery of three invoices for spare parts and repairs (plumbing, boheya...etc).
Not to start repairing without the company’s written approval.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
This document covers the dangers of fire, lightning, and electrical wires, and it can also cover - according to the customer's desire - natural hazards such as torrential rain, floods, earthquakes, volcanoes and other dangers such as riots, disturbances (demonstrations), theft, malicious acts and the dangers of damage caused by the explosion of water pipes, rainwater leakage and explosion of gas cylinders And other dangers such as self-ignition, planes and objects falling from them, and this document is of paramount importance to factories, buildings, workshops, stores, stocks, and home and office furniture.
Issuance procedures
Fill out the fire insurance form
Provide a list of the property and its material values
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
Marine insurance policies cover goods transported by sea, land or air from the starting point of the journey to the end point according to gradual levels for these documents according to the terms of the maritime transport document (A), (B) or (C) from the time the goods leave the warehouse at the place of commencement of transport named in the document and continues all the way to the end point upon delivery in the storage location of the addressee at the destination specified in the document.
Types of marine insurance policy
Policy (A) (sometimes called a marine insurance policy for all risks) covers all losses resulting from fire, drowning, sea water intrusion, theft or loss of transported goods, breakage or damage resulting from poor navigation conditions or flight conditions, including collision, overturning and theft It also guarantees payment of the insured's share of general average (common loss), rescue and collision expenses, malicious acts, earthquakes and volcanoes.
The documents under conditions (b) and (c) cover specific risks and do not cover damage resulting from seawater intrusion, theft or damage due to bad navigational conditions, voyage conditions or malicious acts unless the cause is due to the stranding, sinking, drifting or fire of the ship. That document (B) is more extensively covered than document (C), however, that both policies cover the insured's share in general average (joint loss) and rescue expenses.
Issuance procedures
Fill out the insurance form
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
The livestock (livestock) insurance policy covers sheep, cows, goats, camels and horses against death due to diseases and other accidents to which the livestock are exposed. The policy also covers the risk of fire and theft (in the case of closed farms) and the insurance can cover abortion with an additional premium according to the client’s desire.
Issuance procedures
Fill out the insurance form
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
The aviation insurance policy covers aircraft objects against lightning, fire, explosions, collision, collision, theft and hijacking of aircraft, in addition to insurance liability towards passengers, goods and passenger baggage, and liability towards any other party damaged by the operation of aircraft. The captain and flight engineers can also be insured against loss of the license.
Issuance procedures
Fill out the insurance form
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
Medical care for the traveler due to a sudden accident or illness that occurred to him during travel and covers:
Travel and accommodation of a companion (a family member)
The costs of returning the insured to the country of residence in case of illness or accident
Emergency dental treatment
The costs of returning the body to the country of residence in the event of death
Sudden travel costs due to the death of a family member of the insured
Loss of a passport, driver's license or identity card abroad in case of an accident
Loss of bags on regular airlines
Late arrival of bags.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
Types of engineering insurance policies:
1/ A document covering machine malfunctions (automatic breakage)
2/ Document covering the explosion of boilers and boilers
3/ A document covering contractors' risks
4/ A document covering the installation risks of installations and machines.
5/ A document covering the dangers that affect electronic devices and computers, such as contact with wires and frequency of electric current
6/ A document covering contractors' machinery and equipment that can be issued separately to cover contractors' machinery and equipment against the risks of fire, collision, overturning, operating risks and lack of experience.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
Various types of accident insurance policies
1/ Securing civil liability towards the public and users, which comes from the activity of the company or institution.
2/ Insurance of cash in the treasury or cash carried from one location to another during the year.
3/ The comprehensive document for banks
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
They are contracts under which the company bears the obligations incurred by the customer in the event of his breach of the commitments and obligations towards a third party in the parties to the letter (client, beneficiary, insurance company)
Types of letters of guarantee
1/ Initial guarantee:
It is the one who the contractor attaches to the bid submitted by him in the tender or auction.
2/ Good execution guarantee:
This guarantee must be provided by the successful bidder, in order to ensure the proper implementation of the engagements concluded with the beneficiary parties.
3/ Down payment guarantee:
The contractor submitting the accepted bid may use the resources of the bidder, especially in large projects, to finance the process to be completed.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
This system achieves protection for the contributor's income in the event of his permanent total disability due to accident, illness, or death. In addition to providing income to the contributor while he is alive if his source of income is destroyed, lost, removed, or discontinued, and with another advantage, it is an amount paid to him daily in case he needs a hospital bed due to an accident.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
This document guarantees the provision of living expenses for the contributor’s family members in the event of his permanent total disability, or his death, in addition to sums paid to the contributor in the event of the death of any of the covered family members, and a specified daily amount is paid to the contributor in the event that the contributor needs a hospital bed due to an accident.
Phone:+249 18 378 2538
hotline:2770
E-mail:info@albaraka-ins.com
This system guarantees the provision of tuition fees for the student for the undergraduate or secondary stage in the event of the total disability of the contributor (parent) or his death during the subscription period. In addition to another amount to be paid to the student if the contributor (the guardian) remains alive and sound until the end of the university level for the beneficiary, which is to pay the amount he paid plus the return on investments he paid so that the beneficiary (the graduate) can establish any project that suits him to secure his future.
Phone:+249 18 378 2538
Hotline:2770
E-mail:info@albaraka-ins.com
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