Our Products | Personal Insurance
As a leader in Motor Insurance, Lidwala offers these various types of cover that cater for every motorist’s needs
Comprehensive Insurance Cover
Provides the widest including theft, any damages caused by an accident, fire or explosion, and natural disasters like hail and floods. Comprehensive insurance will also cover all damages that you may cause to a third party’s property, including buildings.
Third-Party, Fire & Theft Cover
Provides insurance cover for your car against theft, fire-related damages, and damages you may have caused to another person’s vehicle during an accident.
Third-Party Only Insurance Cover
Provides liability coverage for any damage you may cause to another person’s property for up to E2 Million. This caters for repair, replacement, and other costs directly linked to the accident, including towing services
This plan offers you a comprehensive cover for home and can be divided into the following categories:
House Owners
At Lidwala we understand that it’s more than a building, it is your home. This is why our comprehensive house owners cover more than the structure of your house. our policy can be extended to cover swimming pool pumps and alarm systems.
We cover both title deed and homes build on Swazi Nation Land (SNL)
House Holders
Cover the contents in your home including furniture and electronic appliances against theft, intentional damage, as well as damage caused by a power surge or a burst geyser, and so much more.
Personal Accident
This is cover in respect of Death, Permanent and Temporary disability, and medical expenses following an accident of the individual covered depending on their occupations.
Accidents are bound to happen, but what do you do if it leads to death, permanent or temporary disability? Our personal accident cover will cater to the loss that a policyholder may face. This also includes the medical expenses of the individual.
Personal All Risks
Cover all of your personal belongings even when you are on the move. Whether you are traveling to and from work or around the world on holiday, our cover has your gadgets, jewelry, and sporting equipment covered.
Personal Liability
Personal liability insurance is about protecting you from any legal liability that you may face. This cover provides coverage for up to E1 million. To pay for claims of bodily injury, illness, accidental loss, or property damage sustained by others for which you or covered residents of your household are legally responsible
Discover the world and create amazing memories, knowing that you have comprehensive travel insurance that covers your Lost luggage, Medical emergencies abroad, and the theft of your personal or business gadgets such as laptops, cell phones, and more.
This plan offers you a comprehensive cover for poultry farming and can be divided into the following categories:
Broilers Cover
Specifically provides indemnity to broiler poultry birds that are grown and kept for commercial purposes from hatching till fully grown.
The basis of the cover is based on the value at the time of loss on a sliding scaled based on the age of the broilers.
Cover Scope
Storm | Fire & Lightning | Non-Political Riot & Strike | Diseases (excluding pandemics) | Theft | Accidental Death | Snakebites | Electrocution
Layers Cover
Specifically provides indemnity to layer poultry birds that are grown and kept for commercial purposes from hatching till fully grown.
The basis of the cover is based on the value at the time of loss on a sliding scaled based on the age of the layers.
Cover Scope
Storm | Fire & Lightning | Non-Political Riot & Strike | Diseases (excluding pandemics) | Theft | Accidental Death | Snakebites | Electrocution
Crop cover insures a farmer against any loss of the production costs of his or her crop during the period of insurance.
The basis of this cover is based on the total production cost that was spent to plant the crops.
Cover Scope
Natural disasters (Storm, Hailstorm, Wind, Frost & Lightning) | Malicious Damage | Fire | Non-Political Riot & Strike | Uncontrollable Pests & Diseases (excluding armyworm, fall armyworm or locusts outbreaks) | Explosion
Cover that protects your livestock from the unexpected. Whether on the farm or in transit, your animals are considered your personal property. If something was to happen to them due to a covered loss, we’ll help cover the cost remedy the issue.
The basis of the cover is based on the market value of the insured animal at the time of loss maximum sum insured.
Cover Scope
Storm | Fire & Lightning| Accident | Malicious Damage | Impact by Road Vehicles or Rolling Stock | Non-Political Riot & Strike | Diseases (excluding pandemics) | Theft | Accidental Death | Snakebites | Calving Losses | Accidental Electrocution | Transit (25km radius)
If you are a water sports enthusiast and own any watercraft our marine small craft cover will not only cover the water vessel, but also its engines, equipment, and gears.
Additionally, this cover also covers any legal fees that you may face should your vessel cause an accident that leads to the death or injury of a third party.