Basic Safety Tips to Remember When Caught in Flood Waters

When floodwaters rise around a vehicle, the instinct to save the car can be strong – but safety must always come first.

If your car becomes stuck in floodwater, switch off the engine and abandon the vehicle. Take steps to move to higher or drier ground.

The vehicle can be recovered later, but your life cannot be replaced.

If you are certain of your safety, you can document the scene. Such footage can be useful when making an insurance claim.

In such moments, having the right insurance cover can mean the difference between a major financial setback and a quicker recovery.

That’s where Britam Insurance comes highly recommended.

Britam Comprehensive Motor insurance 

Britam’s Comprehensive Motor Insurance provides broad protection against risks that may affect a vehicle, including accidental damage, theft, fire and third-party liability.

This package covers flood damage as an insured peril, meaning that if your vehicle is submerged due to heavy rainfall or flash flooding – you have grounds for compensation.

Besides floods, this cover also protects vehicle owners against:

• Accidental damage to the vehicle
• Theft or total loss of the vehicle
• Fire damage
• Malicious damage
• Third-party liability for injury or property damage caused to others

In severe cases where repair costs exceed a significant portion of the insured value – the policy may treat the vehicle as a total loss.

There are additional benefits under Britam’s motor insurance, as well:

• Windscreen cover
• Cover for theft of audio and video accessories
• Protection for spare wheels, jacks and toolboxes
• Recovery and towing after an accident
• A no-claim discount that can reach up to 60% for drivers who do not make claims over time

Applying For Britam Motor Insurance via WhatsApp (10 minute process)

Britam has eliminated traditional application barriers by enabling complete sign-up through WhatsApp.

It is very convenient without unnecessary delays in queues or endless paperwork. Here’s the step-by-step process:

Step 1: Open WhatsApp and save the number 0705 100 100 to your contacts.

Step 2: Send a message saying “Hi” to 0705 100 100.

Step 3: You will receive an automated response. Select “Invest with Britam” from the menu options provided.

Step 4: The system will prompt you to key in your national ID number.

Step 5: Follow the subsequent prompts to open a new account. You will be asked for:

• Your KRA PIN
• Residential address
• Occupation
• How you were introduced to Britam (e.g., through a Britam financial adviser, if applicable, enter their phone number)

Step 6: Accept the terms and conditions when prompted.

Step 7: You will receive a one-time password (OTP) via SMS. Enter this OTP to verify your identity.

Step 8: Complete the application by selecting your preferred coverage option.

Step 9: Make your initial premium payment via M-Pesa: using the paybill number 4157051.

• Paybill number: 415 7051
• Account number: Member card number (provided during the registration process).

The entire process – from initial WhatsApp message to policy activation – can be completed in under 10 minutes.

In case of an emergency that needs immediate assistance, Britam’s 24/7 Road Rescue team is available:

• Call 0705 100 100.

Protection for Homes and Rental Property

While flooded roads often dominate headlines, many homes also suffer significant damage during heavy rains.

Britam offers Homeowners Insurance – which covers residential buildings against risks such as storms and floods.

The policy can also extend to household contents, theft and third-party liability for accidents within the property.

Property owners have the Landlord Insurance package which compensates for loss of income if a rental property becomes temporarily uninhabitable after a flood.

Note: The Homeowners and the Landlord Insurance packages are not available for application via WhatsApp Bella. To apply, follow this link to the website. 

Convenient Fast-Track Claims Process

For comprehensive motor insurance customers with minor vehicle damage, Britam offers the Britam AI Motor Assessment Service.

This is an innovative AI-powered drive-through claims facility designed to fast-track the settlement.

At the assessment centre in Nairobi, vehicles are inspected and photographed, after which a digital claim form is sent directly to the customer’s phone.

Once submitted, the claim is reviewed quickly.

The approved settlements are processed through bank transfer, mobile money, or repair authorisation at approved garages.

Stop Wasting Time. Start the Process Now 

When the rains come, the difference between loss and recovery often comes down to preparation.

Apply easily via Whatsapp no. 0705 100 100.

Alternatively, prompt a call back from a Britam Insurance agent using this link, to get more information.