Cover that fits your life.
Motor, health, property, and accident insurance - essential personal cover built for Zambians, explained in plain language.
Dedicated broker
100% Zambian-owned
licensed broker
Five classes of personal insurance
Every policy is built on the standard classes of general insurance - transparent, comprehensive, and fairly priced.
Comprehensive Motor Insurance
Private cars and motorcycles - Road Traffic Act only, third party, third party fire & theft, or fully comprehensive. No Claims Discount of up to 65%.
- RTA · Third Party · Comprehensive
- Personal accident benefit
- No Claims Discount up to 65%
Personal Accident
Capital sums for accidental death, loss of limb or sight, and permanent disability. Monthly income for temporary disablement - accident cover is worldwide.
- Accidental death & disability
- Temporary disablement benefit
- Sickness cover (Zambia)
Health Insurance
Insizwe Health individual and family plans - in-patient, out-patient, ambulance, maternity, and optional dental and optical benefits.
- In-patient & out-patient
- Ambulance & maternity
- Dental & optical add-ons
Fire & Allied Perils
Standard cover for fire, lightning, and explosion - with optional extensions for storm, flood, earthquake, malicious damage, riot, escape of water, and more.
- Fire, lightning & explosion
- Storm, flood & earthquake
- Riot & malicious damage
- Escape of water & impact
Burglary & Housebreaking
Cover for theft involving forcible and violent entry or exit - including glass breakage, lock replacement, and temporary removal of items for repair.
- Forcible entry & burglary
- Glass breakage on theft
- Lock replacement
- Robbery & hold-up extensions
Why Zambians choose Insizwe for personal cover
We're not a faceless call centre - we're a local broker that knows the Zambian context, speaks your language, and stands beside you when it counts.
Local expertise
10+ years operating in the Zambian market - we understand the risks you face.
Fast claims
We work to resolve every claim as quickly and fairly as possible, keeping disruption to a minimum.
No jargon
Every policy is explained in plain language - no confusing terms, ever.
Family cover
Easily extend your policy to your spouse and dependants under one umbrella.
Getting covered is easy
Three simple steps and you're protected - no paperwork mountain, no long waits.
Tell us about yourself
Fill in a short form so we understand your situation and what you need covered.
Get your quote
A dedicated broker will call you with a clear, itemised quote.
You're covered
Policy issued in minutes. Cover starts immediately - no waiting, no surprises.
Frequently Asked Questions
Everything you need to know before you buy.
We offer motor insurance, health insurance, personal accident, fire & allied perils, burglary & housebreaking, glass insurance, and credit life. Each can be taken as a standalone policy or bundled together.
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