Treatment depends on the product and on current Zambian tax law, which changes. We will give you the position that applies to your specific policy at the time you take it out, and we recommend confirming with your tax adviser.

Cover can lapse, which means a claim during the lapsed period will not be paid. Most insurers allow a grace period. If you are struggling with a payment, tell us early. We can often negotiate instalments rather than let the policy fall away.

Most long term policies carry a cooling-off period during which you can cancel and receive your premium back, less any costs already incurred. Terms differ by insurer, so check with us before the period lapses.

That depends on the policy. Some covers, such as motor and medical, allow multiple claims up to the sum insured or annual limit. Others are once-off. We will tell you what your policy allows before you buy it, not after.

Yes. Send us written notice and we will arrange cancellation with the insurer. Depending on the class of business and how much of the period has run, you may be due a pro rata refund. We will confirm the exact figure before anything is cancelled.

Email info@pib.co.zm or call +260 971 588 141 with your policy number and what has changed. Most endorsements, such as adding a vehicle, changing a sum insured or adding a dependant, are processed within a working day.

No. Our advice costs you nothing extra. We are paid a commission by the insurer once cover is placed, which is built into the premium whether you use a broker or not. Using us simply means someone is reading the policy on your behalf.

We are licensed for both long term and short term business. That covers life and funeral policies, group life, credit life, medical schemes, annuities and travel on one side, and motor, property, marine, bonds, agriculture, engineering, mining and liability on the other. If you are not sure which applies to you, call us and we […]