BE INSURED BY THE CHAMPIONS OF INSURANCE

Transcription

1 CORPORATE PROFILE

2 CONTENTS Brief history 2 Contacts and Map to find us 3 Board of Directors 4 Vision, Mission and Values 6 Security 7 Reinsurance 8 The Reinsurers 9 Reinsurance Disclosures - The cut through clause 10 Champions Insurance Financial Results 10 Management Team 11 Personal Legal Aid Insurance 14 Corporate Legal Defense Cost Insurance 15 Motor Insurance With Unique Extensions 16 Community Insurance 17 Payment Convenience 18 Conventional Insurance 19 No Claims Bonus & Long Term Agreement Discounts 20 Strategic Partners 21

3 AWARDS AND RECOGNITION 2016 First runner short term category - Superbrands 2017 First runner short term category - Superbrands 2017 Leader in the insurance industry - Megafest Industry Awards 2017 Outstanding Insurance Company of the year - Megafest Na onal Business Awards 2017 Engineering Achievement Award - Tokwe Mukosi Project 2018 Insurance Company of the year - Zimbabwe Business Awards

4 BRIEF HISTORY Champions Insurance was incorporated in June 2003 as a niche insurer targeting the under-served markets of the Zimbabwean business and population. The company has built expertise and capacity in the years it has operated in the Zimbabwean market and now commands a growing presence in various sectors of the economy. Shareholding Structure Champions Insurance is owned by influencial local business people through the following companies: Hotspike Investment 40% Fremus Business Consultants 40% Drycode Enterprises 20% Champions Insurance is licenced by the Insurance and Pensions Commission under licence number 11, and is also a member of the Insurance Council of Zimbabwe. Regulatory Enquiries The Commissioner. Insurance & Pensions Commission 160 Rhodesville Avenue Greendale Harare Telephone: /443261/

5 WHERE TO FIND US Head Office 1 Mold Crescent Kensington, Harare, Zimbabwe Tel: , , , , , , Telefax: info@championsinsurance.co.zw Web: NATIOWIDE WE ARE : 3

6 BOARD OF DIRECTORS Mr. Tichasiyana Wonder Mapondera Non-Executive Chairman Mr Mapondera brings vast wealth of experience in teaching, training, strategic innovative business management and leadership he accrued from various organisations. He was a lecturer and Head of Agricultural Education Department at Belvedere Technical Teachers College in Harare from 1983 to May From June 1990 to September 1993 he was a Senior Training Officer at the Agricultural and Rural Development Authority where he trained several management courses to middle and senior managers. During the period December 1994 to June 2000 he worked for the Standards Association of Zimbabwe as a Divisional Manager and subsequently became the Administration Manager. He had a short stint with the Zimbabwe Open University before joining the Scientific & Industrial Research and Development Centre in December 2000 as a Research Scientist in the Biotechnology Research Institute and rose to the position of a Director in the Farming Operations Department. He is currently the Executive Director of the Zimbabwe Farmers Development Trust-a position he held from He holds, among other qualifications, a Masters Degree in Management (Cranfield University, U.K.), Bachelor of Education degree (UZ), Diploma in Marketing Management (Harare Polytechnic), Postgraduate Diploma in Agricultural Education (University of Reading, U.K.), Diploma in Standardisation and Management Techniques (Swedish Standards Institution, Stockholm) and is a qualified Lead Auditor of Quality Management Systems (British Standards Institution). He is a full member of the Institute of Marketing Mr. Ashilly Ashton Debwe Non-Executive Director and Board Vice-Chairman Ashton Ashilly Debwe, is a member of the Law Society of Zimbabwe and SADC Lawyers Association, is a sole partner in the firm of Debwe & Partners Legal Practitioners, Harare, Zimbabwe, where he has practiced law for the past 27 years. He holds a BL(Hons) and an LLB from the University of Zimbabwe and also a Diploma in Theology from AMFC College, Zimbabwe. He has practiced in Zimbabwe as a Legal Practitioner, Notary Public and Conveyancer since Mr Debwe s practice currently specialises in commercial and construction disputes, corporate law, family law issues, conveyancing, legal drafting and vetting of contracts, providing legal opinions and other legal documentation mainly but not limited to the following areas, contract law, commercial law and insurance law. He has extensive experience of a wide range of disputes and advisory work relating to infrastructure, engineering, building and mining projects in Zimbabwe. He is a former Chairman of the Disciplinary Committee of the Zimbabwe Football Association of Zimbabwe and also a former member of its Players Status and Ad HOC Committees. Currently he sits on the Boards of Champions Insurance Company (Private) Limited, Skinners Autobody (1980) (Private) Limited, Excel Property Development (Private) Limited and Mbuya Dorcas Hospital, in Zimbabwe. He also sits on the Council of the Zimbabwe Ezekiel Guti University and is a former Chairman of the Christian Legal Society, Harare Chapter, Zimbabwe. As a result of his involvement mainly with commercial and family law litigation over the years, he has contributed immensely to the development of jurisprudence in Zimbabwe. 4

7 BOARD OF DIRECTORS Mr. Vurayai Guvakuva Non-Executive Director Mr. Guvakuva began his working career as an Accountant in the Ministry of Finance in He also worked as Head Office Accountant as Industrial Development Corporation, Treasury Accountant at Zimphos Industry, Corporate Accountant at Philips Electrical, Head Finance and Administration at Rural Electrification Agency (REA ) a subsidiary of Zimbabwe Electricty Supply Authority and rose through the corporate ladder to become the Chief Executive for the organisation. Mr. Guvakuva, is a holder of a Master s in Business Administration and Post Graduate Diploma in Business Management both from Nottingham Trent University, Bachelor of Technology Accountancy Hons degree from University of Zimbabwe, Chartered Secretary and Administrator (CIS) and Chartered Management Accountant (CIMA).He brings to the Champions board a wealth of experience having worked for big companies at Executive management level. Mr. Farai Manjokota Non-Executive Director Mr. Farai Manjokota, a seasoned and vastly experienced Finance professional, began his working career at the National Audit Office in In 1995 he joined the Zimbabwe Stock Exchange listed Fidelity Life Company Limited as an Internal Auditor. Mr. Manjokota then joined financial services giant, ZB Financial Holdings where he served as an Internal Auditor from 1997 to He also worked as an Accountant/Finance Manager at ZB Asset Management Company from September 2002 before his elevation to the post of Chief Financial Officer in June Mr Manjokota was the Acting Managing director from November 2006 until his promotion to the post of Head Retail Investments- a position he holds to date. He is a qualified Chartered Management Accountant and Chartered Secretary. Mrs. Alice Motsi Non-Executive Director Mrs Alice Motsi is the Marketing Director of Eckil Investments. Her career spans over 20 years beginning with the then Ministry of National Affairs, Employment Creation and Cooperatives as an Administration Officer, the Zimbabwe Revenue Authority as a Revenue Officer, and The Reserve Bank of Zimbabwe as a Senior Exchange Control Analyst. She is currently studying for a Master Degree in Strategic Marketing with the University of Zimbabwe. Tambu Madzivire Managing Director Tambu Madzivire brings with her a rich insurance experience having worked in all facets of short term insurance from insurance broking, direct underwriting as well as reinsurance. She has both local and regional experience after starting her career in 1995 at Diamond Insurance Company. In 1997 she moved to Zimnat Insurance Company. She moved to Grand Reinsurance Company where she worked as the General Manager before she founded Dynamic Insurance Brokers in 2008 where she was the CEO. She left Dynamic in 2010 to join the United Nations Development Program, AMSCO arm, in the West African Country of Nigeria where she was the Reinsurance Consultant for Adic Insurance Company. From 2012, she came back to Zimbabwe and joined Credit Insurance Company Zimbabwe as the Head of Operations before moving to Champions Insurance Company where she is currently working as the Managing Director. Tambu Madzivire has over 15 years of Management experience and 11 of which were at executive level. Tambu Madzivire is a holder of Bachelor of Commerce degree in Insurance and Risk Management from the National University of Science and Technology. She is also a holder of a Diploma in Insurance from United Kingdom (ACII) and a Master s degree in Business Administration from Eastern and Southern Africa Management Institute. 5

8 VISION MISSION VALUES QUALITY POLICY STATEMENT Vision To be the insurer of first choice for every household and business in Zimbabwe Mission To anticipate customer needs and provide risk financing solutions Values Focus Integrity Commitment Respect Teamwork Quality Policy Statement Champions insurance is a short term insurance company determined to be the first choice insurer in Zimbabwe. We are committed to giving our clients the best service, creating a great workplace for employees, contributing positively to the society and delivering consistent returns to our shareholders. Our clients are the most important stakeholder group, hence the need to anticipate their needs and provide risk financing solutions by being ISO 9001:2008 compliant. Our Quality Policy is premised on the following objectives: > Innovate by coming up with affordable tailor made risk management solutions to suit our customer needs > Communicate with customers and foster mutually beneficial partnerships > Comply with statutory and other relevant regulatory requirements > Continuously improve Quality Management Systems > Promote corporate image through active social responsibility programs These Quality Objectives and the Quality Policy Statement shall be regularly reviewed and communicated to all stakeholders for business process improvements. 6

9 SECURITY Definition of Insurance Insurance is defined as the transfer of risk from one party (the insured) to another party (the insurer) in return for premium consideration. The risk transfer mechanism Insurance companies also in turn insure the risk they accept in a process called re-insurance. This process ensures that the risk is further spread amongst many risk carriers to make the burden of a single claim insignificant to the reinsurance partners. At Champions we have perfected the art of risk transfer and reinsurance and our insurance solutions are under-pinned by meticulously designed reinsurance packages. 7

10 REINSURANCE Champions Insurance has reinsurance programmes structured to the client s underlying risk exposures. The following summarises the current automaties: Any size risk can be placed using treaty and facultative arrangements placed both locally and externally by obtaining IPEC approvals. Reinsurance Cover On Risk Exposure 8

11 THE REINSURERS Champions Insurance uses credit-rated reinsurance companies as follows: ZEP RE International Travel Insurance REINSURANCE DISCLOSURES -THE CUT THROUGH CLAUSE At Champions Insurance we believe in transparency and also acknowledge that risk must be spread as much as possible for the risk transfer mechanism to work optimally.acccordingly we include a cut-through clause in all our major corporate risk insurance packages which enable our clients to receive insurance claim proceeds directly from the reinsurance partners. This clause is excellent in that it protects the client and enable them to see a schedule of all reinsurers sharing the insured risk and their proportions of the risk and enable the client to sue every partner who received a share of their premiums collectively through the insurance company or severally, each for its share of the risk unlike the conventional contracts which do not disclose the full list of the risk carriers. 9

12 SOME OF OUR TOP CLIENTS CHAMPIONS INSURANCE COMPANY FINANCIAL RESULTS The Champions Insurance audited financials and management accounts are available upon request. 10

13 MANAGEMENT TEAM Tambu Madzivire Managing Director Tambu Madzivire is a holder of Bachelor of Commerce degree in Insurance and Risk Management from the National University of Science and Technology. She is also a holder of a Diploma in Insurance from United Kingdom (ACII) and a Master s degree in Business Administration from Eastern and Southern Africa Management Institute. She brings with her a wealthy of insurance experience having worked in all facets of short term insurance from insurance broking, direct underwriting as well as reinsurance. Tambu Madzivire has both local and regional experience having started her career in 1995 at Diamond Insurance Company. In 1997 she moved to Zimnat Insurance Company. She then moved to Grand Reinsurance Company where she worked as the General Manager before she founded Dynamic Insurance Brokers in 2008 where she was the CEO. She left Dynamic in 2010 to join the United Nations Development Program, AMSCO arm, in the West African Country of Nigeria where she was the Reinsurance Consultant for Adic Insurance Company. From 2012, she came back to Zimbabwe and joined Credit Insurance Company Zimbabwe as the Head of Operations before moving to Champions Insurance Company where she is currently working as the Managing Director.Tambu Madzivire has over 15 years of Management experience and 11 of which were at executive level. tmadzivire@championsinsurance.co.zw Tapiwa Kahiya Operations and Marketing Executive Tapiwa is a holder of an MCOM, Master s Degree in Marketing Strategy, a First Class Honours Degree in Marketing Management with the Midlands State University and a Distinction in C.O.P Short term Insurance. He started his career as a Broker at Capitol Insurance Brokers in 2007 and later joined Tristar Insurance in 2009 where he worked in various capacities as an underwriter before joining the marketing department. Tapiwa joined Champions Insurance as Assistant Marketing Manager and was later appointed the Southern Region Area Manager, where he was instrumental in the establishment of the branch before he was appointed Marketing Executive in December Since the appointment, he has been instrumental in marketing strategy and business development which has seen the company getting local and international recognition through a number of awards. Amongst some of his personal awards, Tapiwa was crowned Young Manager of The Year 2015 at the Zimbabwe Institute of Management Excellence Leadership Awards. He was also awarded The Excellence in Marketing Award by the Word Confederation of Business in Las Vegas in Tapiwa is a Certified Chartered Marketer and a holder of a Professional Post Graduate Diploma in Marketing (HL) from the Chartered Institute of Marketing (UK). tkahiya@championsinsurance.co.zw Tatenda Muronda CA(Z,) (ACFE) Finance and Administration Executive Tatenda is a member of the Institute of Chartered Accountants Zimbabwe (ICAZ). She is also a Registered Assessor with ICAZ. As well as an Associate Certified Fraud Examiner (ACFE). She obtained honours BCompt Accounting Degree with the University of South Africa (UNISA) and did her articles of clerkship at Ernst & Young Zimbabwe. She also holds a diploma in Auditing with the University of Cape Town (UCT). Her audit work experience spans over 8 years she has audited companies in various industries including insurance, Banking, Agriculture and Real Estate. She is studying towards a Certified Financial Analyst qualification. Tatenda is responsible for corporate services, financial management, investment and the management of the administrative functions of the business and ensures that at all times the company has the capacity to meet its objectives obligations without delay. She was awarded The Excellence in Finance Award by the World Confederation of Business in Las Vegas in tmuronda@championsinsurance.co.zw 11

14 MANAGEMENT TEAM Fadzai Muchuchuti PMP ICT Executive Fadzai has extensive experience in ICT having been previously with the First Mutual Group for 5 years. She holds a Bsc Information Systems degree, MComm Strategic Management and Corporate Governance Degree, a Postgraduate Diploma in Project Management and is a certified Project Manager (PMP). She is a member of the Project Management Institute (PMI).She has attended various local and international ICT workshops. Fadzai is responsible for the technology development of the company. She ensures that the company clients, producers and strategic partners can communicate real time with the business and that the business does not lag behind in keeping abreast with global trends in e-business.fadzai is also responsible for maintaining an efficient interface between the business and its clients and business partners with special prominence on e-business. fmuchuchuti@championsinsurance.co.zw Shamiso S. Chataika CA(Z) (CIA) Internal Audit and Compliance Executive Shamiso is a qualified Chartered Accountant with the Institute of Chartered Accountants in Zimbabwe (ICAZ). Shamiso is a Certified Internal Auditor (CIA), with the Institute of Internal Auditors. She also holds a diploma in auditing known as Accounting Professional Training with the University Of Cape Town (UCT). She has a Honours BCompt Accounting Science Degree with the University of South Africa (UNISA) and a Zimbabwe Certificate in Theory of Accounting (ZCTA) with ICAZ. She also holds a Bachelor of Accountancy (Honours) with the University Of Science & Technology (NUST). Shamiso has a Distinction in Certificate of Proficiency in Short term Insurance from the Insurance Institute of Zimbabwe. Currently, Shamiso is studying towards Master of Business Leadership with University of South Africa. Shamiso did articles of clerkship with Ernst & Young Zimbabwe. Her audit work experience spans over 10 years, where she audited companies in various industries including Banking, Manufacturing, Retail, Non-governmental organisations, oil industry, pensions funds and insurance companies. Shamiso is responsible for the internal audit function of the organisation, which involves analysing business activities, procedures and processes to ensure company goals are met. She is responsible for recommending solutions to the organisational problems,ensure compliance with policies and advise management and other employees within the company on how they could execute their tasks more effectively. schataika@championsinsurance.co.zw Prosper Tafirenyika Client Services Manager Prosper is a holder of a B.com Hons degree in Insurance and Risk Management, Associateship (AIISA), Fellowship (FIISA) and MCOM, Master s Degree in Marketing Strategy. Prosper is an insurance and risk management enthusiast who started his career at Champions Insurance in 2010 as a Trainee Underwriter holding various positions within the company. The positions he held include substantive Underwriter, Marketing Officer, Northern Region Branch Superintendent, Underwriting Manager, Operations Manager and more recently Client Services Manager. ptafirenyika@championsinsurance.co.zw Yamurai Maveneka Claims Manager Yamurai Maveneka is the claims Manager for Champions Insurance. She graduated in 2006 at National University of Science and Technology with Bachelor of Commerce in Insurance & Risk Management Honours Degree. She began her career at Capitol Insurance brokers as a trainee broker. Afterwards she then moved to Mercury Insurance Company in 2009 where she worked for several years before joining Champions Insurance Company as an underwriter. She has worked in several departments within the organisation as an Assistant Claims Regional Manager in Bulawayo. She has recently completed her Diploma in Insurance and she is currently studying towards an Associateship of Insurance with Insurance Institute of Zimbabwe. ymaveneka@championsinsurance.co.zw 12

15 MANAGEMENT TEAM Tawanda Gazimbe Finance Manager Tawanda is an articled clerk and a holder of B Compt Accounting Science degree with the University of South Africa. His audit work experience spans over 8 years were he has audited companies in various industries including financial institution, mining, manufacturing, agriculture, retail, insurance and NGOs under BDO Zimbabwe Chartered Accountants. He worked for Loesche Zimbabwe as an accountant for 6 months and then joined Champions Insurance as an internal auditor in 2014.He became Group Accountant in 2015, and rose through the ranks to become the Finance Manager. He is currently responsible for financial management and credit management for the group. He is currently studying towards ACCA Professional modules and a holder of COP in short-term insurance. t gazimbe@championsinsurance.co.zw Rukudzo Ndowa Marketing Manager Rukudzo Ndowa holds B.S. Degree in Marketing from Bindura University and is currently studying towards a professional qualification in Digital Marketing with Marketers Association of Zimbabwe (MAZ) in collaboration with WSI Academy. She started her career working for Africom Holdings, for 5 years served as Brand and PR Marketing Executive before joining ZiFM Stereo as an Account Executive. Her work experience has helped develop an aptitude to conceptualise strategic initiatives and implement details of various campaigns and communication objectives in brand positioning, clearly communicating a brand s essence, selling a brand experience and influencing consumer perceptions. She has working experience in Organisation Transformation, Rebranding and Product launches, having done similar projects during her tenure at Africom Holdings, together with her engagement with Tanzania Telecommunication Company Limited (TTCL) under the consortium of two advertising agencies, Visibly Heard (Zimbabwe) and OpenCo (South Africa). Among other experiences, she has been an instrumental member for product and business development initiatives in her career. rndowa@championsinsurance.co.zw Onias Tafirenyika Mutasa Human Resources and Administration Manager Onias T Mutasa is a holder of a Bachelor of Science Honors Degree in Human Resources Management from Midlands State University. He also holds a Masters in Business Administration specializing in Human Resources Management from Great Zimbabwe University. He commenced his career working at the Mines and Mining Development Ministry as a Mining Administration Officer. He has acquired vast experience in the Human resources management field from various sectors of the economy ranging from agriculture, research to construction after working with Agriculture and Rural Development Authority, UZ-UCSF Programme and JM construction as Human resources specialist. He joined Champions Insurance in September 2017 as a Human resources and Administration Manager. omutasa@championsinsurance.co.zw Tawanda Gowera Regional Superintendent Northen Region Sheena Havadi Regional Superintendent Southern Region Allan Manyere Regional Superintendent Eastern Region Innocent Chakuchichi Regional Superintendent Midlands Region 13

16 CHAMPIONS LEGAL COVER In ones life there are many situations that arise which warrant people to seek peace at the courts. The hour of need comes when one is least prepared for the financial obligations that go with enforcing ones rights, it is this gap which Champions Insurance Company seeks to cover. The product was designed to help the people of Zimbabwe access/ afford legal representation. Any Zimbabwean who has attained the legal age of majority can access this cover and can have their dependants included on the policy Legal Aid Insurance Cover - Civil Matters - Criminal Cases - Labour Cases 14

17 CORPORATE LEGAL DEFENSE COSTS INSURANCE The protection of executives for the consequences of criminal / civil charges brought against their business is increasingly becoming a mainstay of corporate life. When you or your business face civil claims for damages, however groundless they may seem you face a serious threat to your tangible and intangible property, including future earnings and possibly even assets belonging to your marital and/or business partners. It is not unusual for professionals, agents, management level employees and officers and directors of companies to participate in or even oversee the defense of actions brought against their business or company. In some instances, the costs of litigation are big enough to shut down small companies. It is this exposure that we seek to cover through the Champions Corporate Legal Defense Costs. Champions Insurance has a financial interest in defending your business. We endeavor to protect our clients from hiring corner lawyers to defend their companies in a high-value lawsuit thus the client will have an option to choose a lawyer with experience in trial litigation to defend their business. Corporate Legal Defense Cost 15

18 MOTOR INSURANCE WITH UNIQUE EXTENSIONS Champions Insurance Company offers unique motor vehicle insurance covers. Over and above the standard comprehensive cover benefits, Champions Insurance offers unique extensions which are: > Courtersy Car: This is an extension on Full Comprehensive cover which enables you to obtain another vehicle of similar value and status from approved car hire companies. > Free Towing: In the event of an accident, just call us on and we will tow your car at no cost. > Road Mortality Plan: This is an annual funeral assurance plan aimed at providing funeral services in the event of death resulting from a road traffic accident to occupants of an insured vehicle. Funeral services are provided by Doves. Premiums are charged based on the sum insured you choose. Comprehensive Motor Insurance Cover Plus Courtesy Car Plus Free Towing Call for FREE SERVICE...! 16

19 COMMUNITY INSURANCE Through our extensive branch network covering every province of Zimbabwe. Champions Insurance is providing community based insurance and the following are highlights of these covers. House Owners Insurance Every house in Zimbabwe can now be insured through the local Zimpost Office as illustrated below: Neighbourhood Average Value Monthly Insurance of Property Cost High density suburbs $ $2.50/month Medium density suburbs $ $5.80/month Low density suburbs $ $30.00/month Home And Household Insurance Cover HOSPITAL CASH PLAN On top of that, we are offering a hospital cash back plan designed to cushion your finances when you are admitted into the Hospital. 17

20 PAYMENT CONVENIENCE Champions Insurance Company has negotiated for your convenience, various payment options which include: - Annual payments - Quarterly payments - Monthly payments (By Bank Stop Order and Payroll Deduction) - Zimswitch - Ecocash - Visa - SSB-payroll deduction for civil servants - Master card - For online payments please visit our website International Travel Insurance Cover 18

21 CONVENTIONAL INSURANCE... highlights Products Assets All Risk Insurance Covers all asstes within Zimbabwe excluding motor vehicles Loss of profits insurance Covers loss of revenue following a fire on property insured as above Machiney breakdown insurance Covers all risks of machinery breakdown for commissioned machinery Machinery Loss of profits Covers loss of profits following breakdown Mine rescue insurance Covers costs for rescuing trapped underground workers Environmental Pollution Legal Liability Covers environmental clean up costs as well as legal defence costs Motor Insurance Covers damage to the insured car, death and bodily injury to third parties Professsional Indemnity Covers claims for professional negligence by various specified professional staff Crop Insurance Covers crops on a field to floor basis Livestock Insurance Coversall risks of mortality to livestock including theft Plantation re-establishment Cost Insurance Covers costs of re-establishing damaged forest usually from fires Public Liability Covers legal liabilities from members of the public Personal Accident Covers death, body injury as well as medical expenses for specified categories of people Direct & Officers Liability Covers senior officers against proffessionalnegligence claims by stockholders arising in their capacity as directors and offices of firms Electronic Equipment Covers accidental loss or damage to electronic equipment Contractors All Risks Covers all risk of damage to contract works including plant and material and public liabilities Money Insurance Covers any loss of money Marine Risk Insurance Covers imports and exports to and from worldwide destinations on all risks basis Aviation Insurance Covering the hull, liabilities and passengers Aviation Personal Accident Covering the aircraft crew against accidental death, injury and medical expenses 19

22 NO CLAIMS BONUS AND LONG TERM AGREEMENT DISCOUNTS No Claims Bonus We offer No Claim Bonus Discounts at the end of each insurance period as reward for clients who implement effective loss reducing risk management initiatives. Discounts vary depending on the policy type and they are 10% flat for non motor insurances and on motor we follow a sliding scale up to 50% discount over a 5 year claim free period. The Claim free period earned at another insurance company is recognised and rewarded at Champions by obtaining written confirmation from the previous insurer, of a claim free experience. For Motor insurance No Claim Bonus applies for vehicles insured for comprehensive benefits only. We indicate on each quotation the discounts applicable. Long Term Agreement Discounts At Champions Insurance we also recognise long term relationships by allowing renewal discounts as follows: 5 years continuous insurance - 10% discount 10 years continuous insurance - 15% discount Personal Accident Cover For students from as little as $1/Child per school term 20

23 STRATEGIC PARTNERS Zimpost Postsurance (One stop-shop for insurance and vehicle licensing) OK ZIMBABWE Insurance and Vehicle licensing TM/PICK AND PAY Insurance and Vehicle licensing CHOPPIES Insurance and Vehicle licensing MAPFRE ASSISTENCIA Travel Insurance service provider Doves Funeral Service provider partner on Road Mortality Plan MASCA Medical Aid Provider partner on Travel Insurance PSMAS Medical Aid Provider partner on Travel Insurance HEPSTAR Digital insurance distributors for Travel Insurance Prime Insurance Technical partner in Malawi Zambia State Insurance (ZSIC) Technical partner in Zambia 21

24 HEAD OFFICE 1 Mold Crescent Kensington, Harare Tel: / /706595/251423/252503/ Voip Line: Bulawayo: +263 (09) Gweru: +263 (054) Mutare: +263 (020) info@championsinsurance.co.zw Web: