All Risk Insurance

If you want extra protection for your properties outside what is covered within your existing property insurance policy or you just want a broad cover for your properties, this plan is for you. It covers all accidental loss, destruction or damage to the insured property and its content within and outside the premises. Every risk is covered unless explicitly excluded.

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Benefits

This policy provides cover against accidental damage or loss of items that are movable in nature. Examples include laptops, jewelleries, wrist watches, rings, etc.

This policy is very comprehensive and provides cover to the policyholder against the accidental loss of, or damage to, such items caused by hazards (except for those specifically excluded – e.g. damage caused by wear or tear, gradual operating cause, process of cleaning or ironing, etc).

The cover is not restricted to premises or location where items are kept but is functional within a specified geographical limit.

Documents Required

Duly filled proposal form

Valid means of identification

Passport photograph

Frequently Asked Questions

Q: What is not covered under my All-Risk insurance?
A: Damage from cleaning, ironing, restoring, or repairing, wear and tear, deterioration, moths, insects, vermin, or any gradual process. Loss or damage caused by war, invasion, enemy acts, hostilities, civil war, rebellion, revolution, insurrection, or military power. Theft or attempted theft involving any member of the insured’s family. Breakage or mechanical failure of cameras, except if caused by theft or fire. Damage to insured items left in an unoccupied building for more than seven days unless safety arrangements are made and approved by the Insurer. Any of the articles insured whilst in transit unaccompanied by you or members of your family normally residing with you.

Q: Can I pay to get the benefits that my All-Risk insurance does not provide?
A: No, the exclusions listed are standard in an All-Risk Insurance policy.

Q: Where am I protected?
A: Within Nigeria.

Q: When does the All-Risk insurance protection start and end?
A: The insurance protection starts when you pay your premium (no premium, no cover). The insurance protection ends upon the expiration of the premium paid (be it 3 months, 6 months, or yearly).

Q: When and how can I pay?
A: Payment can be made at the time of purchase or renewal: either yearly, every 6 months, or every 3 months. To make payment, visit – https://www.leadway.com/payment-options/. Send the evidence of payment through email to <>.

Q: How do I cancel the contract?
A: Send a cancellation request email to <>.

Q: What do I need to do if an incident that can lead to a claim occurs?
A: Notify us immediately (not more than 30 days via https://www.leadway.com/claims-center/ to notify us of the loss and submit all relevant claims documents: A duly completed claim form, Photographic evidence, estimated cost of items damaged or lost. Police report for cases of house burglary or robbery in transit via an email to <>.

Q: How do I get paid for my claim?
A: After submission of all claims documents, the loss is reviewed, adjusted, if need be, and the claim amount is offered to you while considering policy terms and conditions. Upon acceptance of the offer, your claim is paid within 48 hours.

Q: Where can I find the full terms and conditions?
A: This is a summary of the policy; please refer to the policy document for the full Terms & Conditions which apply.

Q: How can I contact Leadway?
A: Email: <> Contact Line: (012800700), WhatsApp: +234 808 057 7724, Website: www.leadway.com.

Q: How do i get paid for my claim?
A: Once you’ve submitted all the required documents, Leadway will review them, adjust the claim amount if necessary, and make you an offer based on your policy terms and conditions.

Q: How quickly will I get paid if my claim is approved?
A: Upon acceptance of the offer, your claim with Leadway will be paid within 48 hours.

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