Farming Insurance

Our product embraces Commercial farmers of all types in Zimbabwe.

We are one of the Insurance providers on TIMB Tobacco Inputs Scheme focusing mainly on smallholder Tobacco farmers.

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Full Third Party

Provides the basic minimum insurance cover covering pedestrians and cyclists against injury or death or damage to third party property, caused by the insured vehicle.

Full Third Party Fire And Theft [F.T.P F&T]

In addition to the Full Third Party cover stated above, FTPFT extends to include cover for theft of the insured vehicle or its accessories and damage to the insured vehicle caused by fire only.

Full Cover [Comprehensive]

This is the widest form of cover which, in addition to covers provided under Full Third Party Fire and Theft above, extends to cover repair costs for damage to the insured vehicle following an accident, medical expenses up to policy limit, towing charges for the disabled vehicle, and emergency accommodation after an accident.

Home Plan & Accessories Insurance

This Policy covers the Buildings of the home including fixtures & fittings and Household contents from the following risks: Burglary, Fire, Lightning, Explosion, Storms, Floods, Impact, Accidental Damage, and Theft of fixtures and fittings and breakage of fixed glass.

The Policy also covers personal items that are normally carried out of the house including:

• Cell phones.
• Laptops.
• Spectacles.
• Jewelry.
• Cameras.
• Clothing.

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Home Owners Insurance

This Insurance is designed for the homeowner and covers buildings of the home, including outbuildings, walls, fences, gates, boreholes, swimming pools, tennis and basketball courts against the perils of:

• Fire.
• Lightning.
• Explosion.
• Storm.
• Impact.
• Theft of fixtures and fittings.
• Breakage of fixed glass.

Householders Insurance

This insurance can be taken together with or separate from the house owners' policy stated above and is designed to cover movable contents of the home while in the home or temporarily away at a place of repair against the perils of:

• Burglary.
• Fire.
• Lightning.
• Explosion of domestic gas.
• Accidental damage to property (e.g., television sets).
• Theft of laundry from the washing line.
• Theft of goods belonging to domestic workers.

Personal All Risks Insurance

This insurance can only be issued together with the house or the contents. It is designed to cover items normally worn or carried on the person and is on an all-risk basis with the premium being charged per individual item. As the cover is all risks, it is not limited in terms of the territory of application but rather applies worldwide. Cover is applicable to such items as:

• Mobile telephones.
• Jewellery and precious items.
• Laptops.
• Electronic equipment (e.g., laptops).
• Spectacles and sunglasses.
• Cameras.

Business Protection Insurance

This policy is suitable for small to medium-sized businesses for cover against the following risks:
• Fire
• Burglary and theft.
• Money in transit or at premises.
• Accidental damage to office equipment.
• General liabilities.

Individual Or Group Personal Accident Insurance

Provides cover to employees against death or bodily injury caused by accidental, external, and visible means. The respective benefits will be paid in the event of:
• Death.
• Permanent disability.
• Temporary total disability.
• Medical expenses.
For the group policy, the benefits are paid through the Employer.

Cover is for loss or damage to goods while in transit in Zimbabwe and the SADC region from warehouse to warehouse or until the final destination.

Covers all risks, i.e., full cover against any physical loss or damage to the goods caused by accidental and unforeseen events.

Requirements For Quotation:

• Value of goods per one carry (maximum value that can be carried per load).
• Estimate value of goods carried in a month or per year.
• Type of goods normally carried.

Our Services Include:

• Providing one stop shop for Zinara licensing and insurance.
• Sending reminders for vehicles with expiring Insurance & License.
• Delivery of Vehicle licenses to client premises.
• Where clients prefer self-collection, Collection of Zinara license disc can be done at any Zimpost Offices around Zimbabwe, Selected N Richards & Gain Cash & Carry around Zimbabwe.
• Providing Usage-Based Insurance where vehicles can earn up to a 50% discount.
• Providing Free Installations of Vehicle Tracking Units to enhance vehicle monitoring.
• Providing No Claims Bonus for vehicles with no claims for a full year.

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Leisure Travel

Embark on your leisure adventures with confidence and peace of mind with NicozDiamond's Leisure Travel Insurance. Our comprehensive coverage is designed to protect you against unforeseen events during your leisure trips. Whether it's a relaxing beach vacation or an exciting exploration, our travel insurance offers global coverage, emergency assistance, and protection against medical expenses, trip cancellations, lost luggage, and flight accidents. Enjoy your leisure travel worry-free, knowing that you are well-protected with NicozDiamond.

business travel

Ensure a smooth and secure business journey with NicozDiamond's Business Travel Insurance. Our tailored coverage is specifically designed to address the unique needs of business travelers. From crucial meetings to important conferences, our travel insurance provides global coverage, emergency assistance, and comprehensive protection, including coverage for medical expenses, trip cancellations, lost luggage, and flight accidents. Travel confidently for business purposes knowing that NicozDiamond has you covered, allowing you to focus on your professional commitments and success.