Third Party Vs. Third Party Fire and Theft Vs. Comprehensive

What’s the difference?

Simply put Third Party insurance protects you from the costs of damage your car causes to someone else’s car or property up to a maximum of MZN 5 000 000.

Third Party Fire & Theft insurance also includes cover for fire, theft, and damage caused as a result of attempted theft.

Comprehensive is just that! It covers your car against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as providing 3rd party insurance.

Askari Disclaimer

1. Acceptance of Terms

Welcome to Askari Insurance Services (Askari). The following terms of use (“Terms”) govern the use of the,,, website(s) (“Website”).

Read these terms carefully before You (“You”) accept these Terms by: (a) placing an order through, or (b) otherwise using the Website. If You do not agree with all of these Terms, do not use this Website.

Askari Insurance Services (Askari) is the owner and operator of,,, .

The Terms are entered into by and between Askari Insurance Services and You. Any reference herein to Askari Insurance Services shall be deemed to refer to Askari Insurance Services as applicable under the circumstances. The products offered for sale and other on-line resources accessible via the website, are provided to You, subject to the Terms.

Unless explicitly stated otherwise, the Terms will govern your use of any new features that augment or enhance the Website.

2. Disclaimer

Your use of this website is at your sole risk. This website is provided by Askari Insurance Services on an “as is” and “as available” basis. Unless otherwise explicitly stated, the content on this website is provided “as is”, “with all faults”, and is for commercial use only. Askari Insurance Services disclaims all express or implied conditions, representations, and warranties of any kind, including any implied warranty or condition of merchantability, fitness for a particular purpose, or non-infringement.

Askari makes no representations, warranties, conditions or guaranties as to the quality, suitability, truth, accuracy or completeness of any of the content contained on Askari web sites. Askari may make available web sites content available for downloading that has been submitted by third-party users of Askari Insurance Services web sites.

Any questions regarding the content should be directed to the providers of such content. In no event will Askari or its suppliers be liable for the accuracy or completeness of the content or information from Askari web sites.

Askari Insurance Services makes no warranty or condition that:

  • (i) the website will meet your requirements,
  • (ii) the website will be uninterrupted, timely, secure, or error- free,
  • (iii) the results that may be obtained from the use of the website will be accurate or reliable,
  • (iv) the quality of any products, services, information, or other material purchased or obtained by you through the website will meet your expectations, or that
  • (v) any errors in the website software will be corrected. Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, including any damages resulting from computer viruses.

No advice or information, whether oral or written, obtained by you from Askari Insurance Services or through or from the website will create any warranty or condition not expressly stated in the terms. Askari Insurance Services employees are not authorized to vary these terms. Before using this site (“the Site”), please read the Disclaimer and Terms and Conditions of Use Agreement (“Terms of Use”) contained hereunder. Please note that these Terms of Use must be read in conjunction with the Privacy Policy.

By continuing to access or use the Site, you signify that you have thoroughly read and understood the terms contained in these Terms of Use, and that you agree thereto. Should you (hereinafter referred to as “the user”) not agree to the terms contained herein do not proceed to access or use this Site.

3. Intellectual Property Rights

Copyright © 2016 – Askari Insurance Services. All rights not expressly granted are reserved. To obtain permissions for the commercial use of any content on this site e-mail This e-mail address is being protected from spambots. You need JavaScript enabled to view it.

Users may download, view and print content from this site for private and non-commercial purposes only.

All moral rights of Askari Insurance Services and its employees/agents are reserved.

Askari Insurance Services cannot screen or edit all the content available from the site and does not accept any liability for illegal, defamatory or obscene content. Users are encouraged to inform Askari Insurance Services of any content that may be offensive or illegal.

All the content, trademarks and data on this web site, including but not limited to, software, databases, text, graphics, icons, hyperlinks, private information, designs and agreements, are the property of or licensed to Askari Insurance Services and as such are protected from infringement by local and international legislation and treaties.

4. Your Conduct

You agree to use the Askari website(s) only for lawful purposes. You are prohibited from posting on or transmitting through any Askari Website any content that violates or infringes anyone’s intellectual property rights (including copyrights, trademarks, trade secrets, patents, publicity rights or (to the extent protectable) confidential ideas) or that is obscene, obscene as to minors, child pornography, defamatory, racist, lewd, lascivious, filthy, excessively violent, harassing, or otherwise deemed by Askari Insurance Services to be harmful or objectionable, or that intentionally or unintentionally violates any applicable local, national or international law, or any regulations having the force of law.

5. Comments, Communications and Other Content

All comments, communications, ideas, and other content disclosed, submitted or offered to Askari Insurance Services on or by this Website or otherwise disclosed, submitted or offered in connection with Your use of this Website (collectively, the “comments”) shall be and remain Askari Insurance Services property. Such disclosure, submission or offer of any comments shall constitute an assignment to Askari Insurance Services of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the comments.

Thus, Askari Insurance Services will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any comments.

Askari Insurance Services is and shall be under no obligation

  • (1) to maintain any comments in confidence.
  • (2) to pay to user any compensation for any comments; or,
  • (3) to respond to any user comments. You agree that no comments submitted by You to the Website will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s).

You further agree that no comments submitted by You to the Website will be or contain libellous or otherwise unlawful, abusive or obscene material. You are and shall remain solely responsible for the content of any Comments you make.

6. Links

The Website may provide, or third parties may provide, links to other Internet sites or resources.

Because Askari Insurance Services has no control over such sites and resources, you acknowledge and agree that Askari is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Askari will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. This Website may be linked to other websites that are not under the control of and are not maintained by Askari. Askari is not responsible for the content of those sites.

Askari is providing these links to You only as a convenience, and the inclusion of any link to such sites does not imply endorsement by Askari of those sites.

7. Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password.

Askari does not sell products for children, but it sells them to adults, who can purchase with a credit card or other means of internet and mobile payment. If you are under 18, you may use Askari only with involvement of a parent or guardian. Askari and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

Askari does not store any credit card information of any kind.

8. Indemnification

You agree to indemnify and hold Askari Insurance Services, and its subsidiaries, affiliates, officers, agents, co-branders, or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of the use of the Website.

9. Privacy

Askari Insurance Services (“Askari”) and its employees are committed to protecting your privacy. We will take all reasonable steps to ensure confidentiality of your information on our website. Askari will not collect, collate, process or reveal your personal information without your permission, unless we are legally required to do so.

We will only electronically request, collect, collate, process or store your personal information if it is lawful for us to do so.

By using this website and transmitting information through the website you acknowledge that while Askari will take every provision to ensure that the user Information is being protected by us and that there are risks associated with this transmission and subject to the terms and conditions on this website, are fully aware of such risks.

We will only share non-public personal information with outside parties in limited circumstances permitted by law. Note that we may provide your Personal Information to third parties to process this information on our behalf. We require that these parties agree to process this information based on our instructions and requirements consistent with this Privacy Statement.

We will also not give your personal information to a third party without your consent, unless we are legally required to do so. We will make every effort to ensure that your personal information is kept confidential and secure, by storing it on our secure database.

Information may be accessed if the system is compromised through unauthorised usage, viruses and other illicit means of obtaining data despite reasonable precautionary measures taken by Askari. We therefore cannot and do not guarantee or warrant the security of any information that you transmit on or through our Website.

By use of this website you hereby agree that Askari shall not be held liable for any unauthorised disclosures.

Askari’s website may make use of cookies, a cookie is a small text file which includes a unique identifier that is sent by a web server to your computer, mobile phone or any other internet enabled device when you visit a website.

Cookies are widely used to make websites work efficiently and to collect information about your online preferences. This improves the service we provide to you. Please note that your personal information cannot be collected via cookie technology. This Privacy Policy may be amended from time to time without any notice to you, an updated version will be available on this page.

10. How to Contact Us

If you wish to contact us to raise any questions, concerns, or complaints you may do so via details below:

Org Details: Askari Insurance Services

Email Address:

Compliance Details:

11. Cookies

Askari use cookies to improve your experience on our site.

Askari uses cookies to make our websites more user-friendly. We collect data to help us understand our customers better so that we can provide a more focused user experience by using your prior visits to tailor solutions to match your needs. Our cookies do not store sensitive or personally identifiable information and are used to make our website and mobile applications user-friendly.

In the unlikely event that our websites use cookies to store personal information about you, ASKARI encrypts the personal data to prevent unauthorised use by anyone else.

ASKARI cookies typically save the following information:

  • Save user login details
  • Measure how often you visit our website
  • Target relevant advertising to you

We make use of the following cookies:

  • Necessary cookies (enable use of features)
  • Performance Cookies (information cookies)
  • Functionality Cookies (help provide a more personalised experience)

12. Electronic Invoices

You hereby agree to accept your invoices, tax invoices and other tax documents in electronic form, whether it be emailed or be available for download on the website.

13. Cancellations and Refund Policy

Askari Insurance Services will not do any cancellations through the website, all returns may only be done through consulting with one of our employees.

All enquiries can be made through

This e-mail address is being protected from spambots.

Due to the nature of the products being sold Askari Insurance Services will not accept any returns on a product that have passed the inception date of insurance as according to the insurance partners of Askari these policies are in force.

Refunds will take place to the customers bank account that was used to conduct the transaction within 72 hours of a cancellation request.

Any orders placed by fault need to be communicated in writing to Askari Insurance Services within 3 days and before the product incepts.

All other faults will be the full responsibility of the purchaser due to the nature of the insurance product.

All Third-Party Insurance Purchases are subject to the following terms and conditions:

  • Payment is due as soon as purchase is made.
  • All prices quoted for the Policies are including VAT where applicable and includes all fees and taxes mandated by the various regulatory agencies.
  • For Mozambique cancellations or postponements received after inception date of insurance will be charged in full as the policy is in force in Mozambique for the full duration of the policy purchased.
  • For the COMESA Yellow Card cancellations or postponements received after inception date of insurance will be prorated dependant on the duration of the policy that is in force across COMESA for the remaining duration of the policy purchased

14. Local Access Restrictions

The Site and all the Content and functionality contained within it is not directed to or intended for use by any person resident or located in any country where the distribution of such Content or functionality is contrary to the laws, rules or regulations of such country.

The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorisations and such licenses or authorisations have not been obtained. If any such local access restriction applies to the user, the user is not authorised to access the Site or use any of the Content on it.

Askari does not intend to provide legal or tax advice through any the Site.

Askari and its affiliates do not warrant that the Site or any other websites that may be linked to through the Site, will be uninterrupted, error free, free of viruses, defects or harmful components, compatible with the user’s computer equipment or fit for any purpose.

Any and all information contained on, or which may be transmitted through, the Site is not to be regarded as a recommendation and does not purport to give any advice whatsoever and should not be construed as such.

Askari, together with anybody related thereto, makes no representations and/or warranties, express or implied, in respect of the services provided on the Site. To the fullest extent permissible by applicable law, Askari hereby disclaims all warranties of any kind, either express or implied, including any warranties concerning the availability, accuracy, usefulness, merchantability or fitness for a particular purpose, with respect to the content, information, data, services, products provided through or in connection with the site, uninterrupted access, the site is free of viruses or the like.

15. Electronic Communications

In the event that the user subscribes to any mailing services or communicates with Askari through the Site or by way of email the user may have to provide their email address.

By providing their email address the user consents to Askari retaining the user’s contact details and expressly consents to receiving communications from Askari which shall include, but not be limited to, requesting clarifications or additional comments; sending Askari publications; sending information about Askari events; asking for the user’s participation in surveys or polls; sending information about services and solutions or other marketing information of Askari.

In addition, the user agrees that all agreements, notices, disclosures and other communications sent by Askari satisfies any legal requirements, including but not limited to the requirement that such communications should be “in writing”.

16. Security

Askari takes appropriate technical and organisational measures against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. However, although Askari takes appropriate measures to protect the security of the information communicated through the site, the Internet is an open network that is not secure and there is an inherent risk that any transmission via the Internet may be intercepted, modified, misdirected, or not be delivered to the intended recipient. In addition, there is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorisation.

As such Askari cannot and does not guarantee that information displayed on the Site has not been modified by others without authorisation or that information communicated by the user to Askari will be received or that it will not be altered before or after its transmission.

Askari and its affiliates shall not responsible for security breaches occurring on the site which may result due to the lack of adequate virus protection software or spyware that the user may inadvertently have installed on his / her device. Any person that delivers or attempts to deliver any damaging code to this Site or attempts to gain unauthorized access to any page on this website shall be prosecuted and civil damages shall be claimed in the event that Askari suffers any damage or loss.

The user agrees and warrants that his/her log-in name and password shall: be used for personal use only; and not be disclosed to any third party.

The user hereby grants and consents to Askari taking all reasonable steps to ensure the integrity and security of the Site and back-office applications.

17. Use of Information

Askari expressly reserves the right, in its sole and absolute discretion, to remove, alter, modify, supplement and/or restrict access to the services, content, information, software, or file(s) appearing on or transmitted through this Site.

The user hereby ratifies, guarantees and agrees to be personally liable for any and all obligations entered into or assumed by others who use the information, content or services through his/her user account.

Askari and its affiliates shall not be liable, and the user hereby waives any claim, for the remission and/or refund of any payment due to the site not being operational for any period of time.

18. Updating of these terms and conditions

Askari reserves its right to change, modify, add or remove from portions or the whole of these Terms of Use from time to time. Changes to these Terms of Use will become effective upon such changes being posted to the Site.

It is the user’s obligation to periodically check these Terms of Use on the Site for changes or updates. The user’s continued use of this Site following the posting of changes or updates will be considered notice of the user’s acceptance to abide by and be bound by these Terms of Use, including such changes or updates.

19. Indemnity

The user agrees to indemnify defend and hold harmless Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates (“the Indemnitees”) from and against any and all claim, loss, damages (including but not limited to direct, incidental, special, consequential, indirect or punitive) expense, or demand or liability, including attorneys’ fees and costs, incurred by the Indemnitees arising out of (i) any claim by a third party relating to the posting, distribution, modification or alteration by the user of any content, or (ii) the user’s use of the Site in breach of these Terms of Use or in breach of any applicable law or (iii) any breach of these Terms of Use.

The user agrees to cooperate with the Indemnitees as reasonably required in the defence of any such claims. The Indemnitees reserve the right, at their own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by the user, and the user shall not in any event settle any such claim or matter without the written consent of Askari.

20. Limitations of Liability

Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates assume no responsibility, and shall not be liable for, any damages or loss (especially loss of data, alteration of data, or downtime) to, or viruses that may infect the user’s computer, telecommunication equipment, software or other property caused by or arising from the user’s access to, use of, or browsing this Site or the user’s downloading of any materials, from this Site.

If the user is accessing this Site from outside the United Kingdom the user is responsible for ensuring that his/her use of the Site is in accordance with the laws of the country of his/her residence or the jurisdiction from which he/she is accessing the Site.

Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates disclaims and excludes all liability howsoever arising and of whatsoever nature to the user in the event that the user’s use of the Site is contrary to the laws of the country of the user’s residence or from which the user is accessing the Site.

In no event including, but not limited to, negligence, breach of contract or otherwise and regardless of whether the damage was foreseeable or not will Askari, its directors, officers, employees, agents, licensors, attorneys, independent contractors, providers, subsidiaries and affiliates be liable for any direct, indirect, special, punitive, incidental or consequential damages (including, without limitation, those resulting from lost profits, lost data or business interruption), liability or costs arising out of the use, inability to use, or the results of use of this Site, any error or inaccuracies in any information or material within or relating to the Site, any representations or statements made on the Site, any reliance upon or use of any information or material on the Site, any websites linked to this Site, or the materials, information or services contained at any or all such websites.

21. User Information

Other than personally identifiable information, which is subject to the Privacy Policy, any material, information, suggestions, ideas, concepts, know-how, techniques, questions, comments or any other communication the user transmits or posts to this Site in any manner (“User Communications”) is and will be considered non-confidential and non-proprietary.

Askari and its affiliates may use any or all User Communications for any purpose whatsoever, including, without limitation, reproduction, transmission, disclosure, publication, broadcast, development, manufacturing and/or marketing in any manner whatsoever for any or all commercial or non-commercial purposes.

Askari and its affiliates shall have no obligation to use, return, review, or respond to any User Communications. Askari and its affiliates will have no liability related to the content of any such User Communications. Askari retains the right to remove any or all User Communications that includes any material it deems inappropriate or unacceptable.

22. User Submissions and inappropriate Material

The user is prohibited from posting or transmitting any unlawful, threatening, defamatory, libellous, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense or violate any law. In addition to any remedies that Askari and its affiliates may have at law, and without prejudice to same, if Askari reasonably determines that the user has violated or is likely to violate the foregoing prohibitions, Askari may take any action it reasonably deems necessary to cure or prevent the violation, including without limitation, the immediate removal from this Site of the related materials. Askari reserves the right to deny the user access to the Site at any time, in particular if the user breaches the above provision.

23. Intellectual Property Rights

Intellectual Property Rights in and to, inter alia, the Contents contained on the Site are the sole and exclusive property of Askari or any other third party as directed by Askari. The user does not acquire, by virtue of his/her use of the Site, any rights, title or interest in any of the Intellectual Property Rights in the Content or the Site.

It is recorded that the trademarks, trade names, logos and the like used on this Site are registered or unregistered trademarks, trade names or logos of Askari, unless specifically indicated as belonging to a third party. The user acknowledges that all right, title and interest to the trademarks, trade names, logos and the like will vest in Askari and nothing contained on this Site grants or should be construed as granting, by implication, estoppel, or otherwise, any license or other right to use any trademarks, trade names, logos and the like displayed on this Site without Askari’s prior written approval.

The user is granted permission to display, copy, distribute and download the Content on the Site for personal, non-commercial use only, provided the user: (i) keeps intact all copyright and other proprietary notices; (ii) makes no modifications to the Content on the Site; (iii) does not use the Content on the Site in a manner that suggests an association with any products, services, or brands; and (iv) does not download the Content to a database that can be used to avoid future downloads from the Site.

The user must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from the Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be Askari or another third party).

The copyright in some Content available on the Site may belong to third parties (“Third Party Content”). It is the user’s responsibility to check copyright notices on or in respect of individual Third-Party Content.

Except as specified in these Terms of Use, the user is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.

24. Jurisdiction and Governing Laws

Terms of Use shall be governed by and construed in accordance with the laws of the United Kingdom.

Askari and the user consents irrevocably to the exclusive jurisdiction of the competent courts of United Kingdom in the event of any dispute.

25. General Terms

These Terms of Use shall commence when the user accepts such terms and conditions and continues indefinitely until terminated by Askari.

The user may not assign, transfer or otherwise deal in any way with these Terms of Use or any of its rights, obligations or liabilities under these Terms of Use, without prior written consent of Askari.

Askari’s rights under these Terms of Use may be exercised as often as necessary. They are cumulative and not exclusive of rights or remedies provided by law, rules and regulations. They may be waived only in writing and specifically. Delay in the exercise or non-exercise of any such right is not a waiver of that right. An express or implied waiver of any of the provisions or of any breach of or default in performing any of the provisions of these Terms of Use will not constitute a continuing waiver and that waiver will not prevent the waiving party from subsequently enforcing any of the provisions of these Terms of Use not waived or from acting on any subsequent breach of or default by the other party under any of the provisions of these Terms of Use.

Any notice or other communication given under or in connection with these Terms of Use will be in English. All other documents provided under or in connection with these Terms of Use will be in English. A document in another language must be accompanied by a certified English translation. In such a situation the English translation will prevail, unless the document is a statutory or other official document.

If any provision of these Terms of Use is held invalid or unenforceable for any reason, that provision is fully severable from the remaining provisions of these Terms of Use and the remaining provisions are nevertheless valid and enforceable as if those of the provisions held invalid or unenforceable were not part of this Term of Use.

In addition, if a provision of these Terms of Use is or becomes illegal, invalid or unenforceable in any country, that will not affect the legality, validity or enforceability in that country of any other provision or in other jurisdictions of that or any other provisions of these Terms of Use.

These Terms of Use constitutes the entire agreement between Askari and its affiliates, and the user with regard to the use of the Content and this Site.

26. Address Details

This site is owned and operated by Askari Insurance Services.

Askari Insurance Services is registered in the United Kingdom and the physical address is 68 Lombard Street, London EC3V 9LJ

International Commercial & Engineering (ICE) Insurance Services Ltd t/a Askari Insurance Services United Kingdom Registration No.: 03155942 |

Registered Office: 1-2 Craven Road, London, England, W5 2UA, United Kingdom

Authorised and Regulated by the Financial Conduct Authority (FCA) registration number: 314197

Askari Insurance Services is an authorised juristic representative of Kindle Insurance Consultants, FSP 14001.

27. Transactional Currency

All transactions for the purchase of cross border tourist insurance for Mozambique are conducted in South African Rand (ZAR)

All transactions for the purchase of cross border COMESA Yellow card policies are conducted in United States Dollars (USD)