Frequently Asked Questions
Clear answers to help you choose with confidence
General Questions
Who is Bima Cover and what do you do?
We are the exclusive advisor for Allianz Insurance in Tanzania. We help clients select, apply for, and manage their motor and fire insurance effectively
Why do you only offer Alliance Insurance?
We believe in specializing. Allianz is a top-rated insurer in Tanzania, and by focusing solely on their products, we provide deeper expertise and better service.
Is Bima Cover an agent or a broker?
We act as an advisor with official authorization from Allianz. We offer full assistance, but policies are issued directly by Allianz.
Can I buy insurance directly from Alliance instead?
Yes, but working with us offers the same Allianz coverage plus personalized guidance, ongoing support, and a trusted liaison.
Is there an extra fee for using Bima Cover?
No. All standard premiums go to Allianz. Our advisory services are provided at no additional cost to you.
How experienced is Bima Cover in insurance?
Our team combines years of local expertise and familiarity with Allianz policies to provide clear advice and reliable service.
Do you offer support in Swahili?
Yes. We assist clients in both English and Swahili for their comfort and clarity.
Where are your offices located?
We serve customers nationwide, with a central office in [City]. Remote consultations are also available.
Do you serve clients outside of major cities?
Yes. We are equipped to support clients throughout all regions of Tanzania via phone, email, or virtual sessions.
How do I get started?
Simply use our Contact Us form or call us. We’ll arrange an initial consultation to understand your needs and recommend coverage.
Motor Insurance
What types of motor insurance do you offer?
We provide Third‑Party Fire & Theft and Comprehensive motor policies under Allianz.
What is included in comprehensive cover?
It covers your own vehicle (even if you are at fault), third-party claims, theft, fire, personal accident, and roadside assistance.
What does Third‑Party Fire & Theft cover?
Loss or damage to third-party property or injury; plus your own vehicle’s theft or fire damage.
Do you insure motorcycles, trucks, and buses?
Yes. We cover a wide range of vehicles, including private cars, commercial vans, heavy trucks, and motorcycles.
Is vehicle insurance mandatory in Tanzania?
Yes. Third-party motor insurance is legally required to register and operate any vehicle.
Can I get short-term motor insurance?
Yes, short-term coverage is available. Contact us for guidance based on your situation.
What is excluded from a standard motor policy?
Standard exclusions include damage from intentional acts, unlicensed drivers, war, or wear-and-tear unless specifically added.
Can I transfer my policy to a different vehicle?
Yes. Just inform us and provide updated vehicle details, and we’ll arrange the transfer.
Is my driver covered under the policy?
Driver coverage depends on including personal accident benefits. We’ll clarify what’s included.
Are passengers covered under accident claims?
Yes, if personal accident cover is part of your comprehensive policy.
Fire Insurance
What does Fire & Allied Perils insurance cover?
It includes fire, lightning, explosion, storms, floods, riots, debris removal, and rebuilding costs.
Can I insure just the contents of my property?
Yes. You can opt to cover just contents—like furniture and electronics—or both structure and contents.
What businesses qualify for fire insurance?
Offices, retail shops, warehouses, lodges, and other premises can be insured.
Does fire insurance include natural disasters like storms or floods?
Yes. These are typically included under “Allied Perils” in the standard policy.
Can tenants purchase fire insurance?
Absolutely — tenants can insure only their contents, while landlords insure the building
How is my property value determined?
We conduct an evaluation assessing construction, location, and replacement cost to help determine insurable value.
What happens if my property is partially damaged?
Allianz will compensate you for repairs after damage assessment and adjusting for depreciation.
Do you require property inspection before issuing a policy?
Yes. We usually conduct a brief inspection for risk assessment prior to finalizing coverage.
Is there a limit on the number of properties I can insure?
No. Businesses or landlords can insure multiple sites under one coordinated policy.
How do I file a fire insurance claim?
Contact us first. We’ll collect necessary details before submitting your claim with Allianz on your behalf.
Policy & Coverage
What documents are needed to apply?
ID, vehicle registration for motor insurance, property information for fire insurance, and a completed application form.
Can I get coverage the same day I apply?
Yes. Once documents are submitted and verified, coverage is often activated within 24–48 hours.
How long does coverage last?
Most policies run for one year from the date of issue, after which renewal is required.
Can I upgrade my policy after it starts?
Yes. We help you add optional features during renewal or mid-term with Allianz’s approval.
What is a policy endorsement?
It’s a document that officially modifies your policy—for example, adding a vehicle or increasing coverage.
What is an excess or deductible?
It’s the portion you agree to pay out-of-pocket when making a claim. A higher deductible often results in a lower premium.
Can my business insure multiple assets under one policy?
Yes. Fleet and property packages are available, with customized terms.
Do you issue both digital and hard-copy policy documents?
Yes. Allianz provides both formats, and we deliver them to you.
Can I cancel my policy early?
Yes. We’ll guide you through the process and any applicable refunds for unused coverage.
Are pre-existing damages covered?
No. Only damages occurring after the policy issue date are covered unless exceptions are specified.
Claims & Support
How do I report a claim?
Contact Bima Cover first. We will guide you step-by-step and manage your claim with Allianz.
What documents do I need to make a claim?
Policy number, incident report, police report (if applicable), photos, invoices, and any supporting documents.
How long do claims take to process?
Times vary, but Allianz has a reputation for prompt service. We follow up until resolution.
Who do I contact during the claim?
You deal with Bima Cover — your advisor will coordinate everything with Allianz on your behalf.
Can I track my claim status?
Yes. We keep you updated at each stage until the claim is finalized.
What if my claim is delayed?
We escalate any bottlenecks with Allianz to ensure timely resolution.
Can I file a claim without visiting an Allianz office?
Yes. We handle paperwork and liaison remotely, making the process seamless.
What happens if my claim is rejected?
We review the rejection reasons, advise you on appeal, and help resubmit if applicable.
What is the deadline for reporting an incident?
Claims must be reported as soon as possible—ideally within 24 hours—to avoid processing delays.
deally within 24 hours—to avoid processing delays.
Yes, if included in your policy, towing or breakdown help can be arranged and claimed.
Business Insurance
Do you provide insurance for business fleets?
Yes. We design customized fleet insurance plans tailored to your operations.
Can I insure multiple properties under one business policy?
Yes. We help businesses bundle offices, warehouses, and other locations.
Do you offer corporate policy reviews?
Yes. Annual reviews and renewal assistance including planning and documentation follow-up.
Can I get a dedicated account manager?
Yes. Businesses can request a single point of contact for all transactions.
Which industries do you serve?
We support logistics, retail, real estate, professional services, and more.
Can you assist with compliance documentation?
Yes. We provide all necessary paperwork for regulatory or audit purposes.
Are employee or staff vehicles covered?
Yes. Fleet packages can include commercial or employee-owned vehicles as required.
Can temporary or rental business assets be insured?
Yes. We offer short-term coverage for rented equipment, events, or temporary needs.
Is stock-in-trade covered in fire insurance?
Yes. Businesses can insure inventory, furniture, equipment, and other stock items.
Can I add theft or liability cover to fire insurance?
Yes. Allianz policies often include add-ons like burglary or liability—just discuss your needs with us.
Insurance Basics
What is an insurance premium?
It’s the amount you pay for coverage, based on risk and the insured value of assets.
What’s the role of an advisor vs. an agent?
An advisor guides you to suitable products; an agent sells individual policies. We advise, support, and service you.
What are policy exclusions?
Situations or events not covered under your policy. We clearly explain exclusions before purchase.
What is a No Claim Bonus (NCB)?
A discount awarded for each year you don’t file a claim. We help you maximize this benefit.
What is the "sum insured"?
The maximum amount Allianz will pay in case of damage or loss under your policy.
How does risk assessment work?
Allianz evaluates factors such as vehicle type, property, location, and usage to calculate your premium.
What is meant by insurable vs. uninsurable risk?
Insurable risks are predictable and measurable; uninsurable risks are rare or extreme, like war or nuclear events.
Do policies have waiting periods?
Some policies may. We explain any waiting or cooling-off periods applicable to your plan.
Can I insure without a formal asset valuation?
Basic policies may not require valuations, but for higher-value items we recommend them for accurate protection.
What are riders or add-ons?
Extra coverage options you can include in your policy—like roadside assistance or content insurance.
Getting Help & Support
How can I contact Bima Cover?
You can reach us via our contact form, phone, email, or WhatsApp. Our team responds promptly.
Can I get a quote online?
Yes. Submit your details via our website form and we’ll get back to you quickly.
How fast will I receive a quote?
Quotes are usually provided within 24 hours of receiving your information.
Do you offer in-person consultations?
Yes. Schedule a meeting with our team at a convenient time and location.
What is the best way to reach you after hours?
We offer WhatsApp support and respond to messages outside business hours.
Where can I download claim or application forms?
All forms are available in our Downloads section or through direct request.
Do I need an appointment to visit your office?
No—walk-ins are welcome. However, scheduling an appointment helps us assist you faster.
Do you provide policy documents digitally?
Yes. We supply both digital (PDF) and printed documents according to your preference.
How do I stay updated on company news or changes?
Subscribe to our newsletter or follow us on social media for the latest updates.
What if I want to submit feedback or a complaint?
We welcome feedback via our Contact Us page. All concerns are handled with confidentiality and priority.
Your Coverage, Simplified
Partnering exclusively with Alliance Tanzania, Bima Cover offers two reliable general insurance classes Motor and Fire backed by expert consultation and support.
Motor Insurance
Motor insurance covers your vehicle against accidents, theft, fire, and third party liability. Depending on your needs, you can choose between comprehensive or third party coverage.
Fire & Allied Perils Insurance
This policy protects your property from fire, lightning, explosions, and other allied risks. It's ideal for homeowners, landlords, and commercial property owners.
Medical Insurance
Medical insurance helps cover costs related to hospitalization, treatments, and outpatient care. It's a smart choice for individuals, families, or companies providing employee benefits.
Travel Insurance
Travel insurance safeguards you against medical emergencies, cancellations, and lost baggage during trips. Whether for business or leisure, it ensures peace of mind while you’re abroad.
Burglary Insurance
This policy protects against loss or damage due to theft or break ins. It’s valuable for homeowners, offices, and retail stores holding valuable assets.
Marine Cargo Insurance
Marine cargo insurance covers goods transported by sea, air, or land. It's essential for businesses involved in importing or exporting goods.
Get in Touch
Our team is here to help you understand your options and find the right Alliance
cover. Reach out today; we’ll guide you every step of the way.