FREQUENT QUESTIONS

 

What is the difference between Own Damage insurance and All Risk Insurance?

There is no difference between those terms. This is the same coverage that guarantees the losses and or damage that occurred to the insured vehicle. Damage itself is a technical term while the first is what traditionally and habitually used by customers.

 

Where can EMOSE be contacted?

EMOSE is in contact at its headquarters in Maputo, in all provincial capitals and in some Districts.

  

What are the requirements and or documents required to secure a car?

The following requirements/documents are required:

• Photocopies of the Booklet and The Title of Property;

• Vehicle Survey;

• Indication of the Desired Type of Insurance (Civil Liability or Own Damage);

• Indication of the limit of Civil Liability and/or the Capital of Own Damage that is intended to be insure.

 

What are the documents necessary for the regularisation of a car claim?

The following documents are required:

• Certificate of Participation of the Completed Claim;

• Police News Act;

• Photocopy of the Driving Licence;

• Photocopy of the Civil Liability Card or the last Prize Receipt.

 

What insurance does EMOSE guarantee to its customers?

Several such as: Car Insurance, Normal Personal Accidents, Personal Travel Accidents, Travel Assistance, Car Occupants, Work Accidents, Freight Transport, Engineering, Enterprises, Multi-Risks, Funeral Expenses, Civil Liability, Funds in Traffic, Health Insurance, in partnership with LIBERITY, Life Insurance, Temporary Insurance of Decreasing Capital (Consumer Credit and Housing Credit), Mixed Insurance with Double Capital with or without Bonus, Mixed Insurance with Options, Dotal Insurance, Safe Funeral Expenses etc...

 

What can be safe in the Fire Branch – Multi-scratches?

In Multi-risk insurance can be covered:

• Real estate and their respective contents, intended for housing, commerce and services, Industry.

 

What is the capital of insurance?

Insurance capital is the maximum liability limit or value of the safe object of Civil Liability, Tourists (Border) for which the insurer will be responsible if a claim (loss or damage) covered under the policy occurs.

 

What's the prize?

It is the amount that the insured must pay to the insurer to ensure compensation within the limits or capital stipulated in the policy.

 

What is the deadline set to participate in an accident?

In case of accident the insured must immediately participate in the claim using the fastest ways to contact the insurer, and the ceiling stipulated by law of 8 days.

 

What insurance, by Law, are mandatory in Mozambique?

In Mozambique, by Law, insurance cars of Civil Liability, Tourists (border) and Occupational Accidents are mandatory.