Trident Insurance Company Limited
Trident Insurance Company Limited was established in 1979 and is incorporated in Kenya and licensed to transact General Insurance business. It was licensed and began full operations in the year 1982. It has a team of highly qualified, experienced and dynamic staffs who render personalized efficient and professional insurance services.
During the Trident Insurance Company Limited history, Trident has been majority-controlled by well respected Barbadian conglomerates such as the former Plantations Trading Company Limited. From 1993 to 1997, the Barbados Mutual Life Assurance Company (The Mutual), now known as Sagicor, was the majority shareholder in Trident.
In 1997, the Mutual’s interest in Trident Insurance Company Limited was purchased by a group of local investors led by the Leacock Group. In early 2007, the Leacock Group partnered with GraceKennedy of Jamaica (GKCO) and launched a successful bid to purchase the equity holdings of Cooper Gay and Co, London, UK, the remaining single largest shareholder in Trident, with the Virgos Group as the third partner. This transaction resulted in the Leacock Group acquiring controlling interest of the company.
Trident Insurance Company Limited is currently ranked within the top 10 listings of insurers in Barbados (based on Gross Written Premiums). Their long heritage, innovative approach to customer service and commitment to use only excellent reinsurance security, provided by global Market leaders which are Standard & Poor’s A-rated companies, accompanied by our strong balance sheet, makes us one of the most financially sound insurance companies in Barbados.
Trident Insurance Company Limited
Nature of Business
Trident Insurance Company Limited provides insurance products and services in all classes of Property and Casualty insurance and has an enviable track record of delivering to our customers, quality, innovative solutions, by using our underwriting and claims expertise.
Vision
Trident Insurance Company Limited Vision is to become one of the top 3 property and casualty insurance companies in Barbados by adopting world-class standards and establishing strong strategic partnerships in financial services throughout the region.
Mission
Trident Insurance Company Limited Mission is to provide excellent service in the delivery of quality products and innovative solutions which are affordable by our customers and thereby providing peace of mind and protection while maximizing profitability for our stakeholders.
♦ T – Trustworthy
♦ R – Resilience
♦ I – Innovative
♦ D – Dynamism
♦ E – Excellence
♦ N – Nurturing
♦ T – Team Spirit & Togetherness
Trident Insurance Company Limited Products
Motor Private
To properly protect yourself from the always present danger of huge awards for motor liability, it is imperative that you maintain the proper level of coverage for your particular situation. The writing of a motor insurance policy can be a complex task. At Trident, we represent a variety of carriers who provide excellent coverage and customer service at competitive rates.
Personal Accident
Personal Accident cover provides benefits for death, and/or bodily injury caused by violet, external and visible means. Medical and surgical expenses necessarily incurred and expended as a result of an accident are also covered up to a specified limit.
Golfers
This is a golf insurance policy for the individual golfer. We have many thousands of customers insured under the policy and it provides “New and Old” cover for golf equipment and personal effect with an extraordinary low excess.
Persac
♦ Death: This covers one in the event of accidental death. The sum insured paid in full.
♦ Permanent Total Disability: This means complete and irrecoverable loss of use normal body functions. The sum insured paid in full
♦ Temporary Total Disability: The insurer will pay a cash benefit until recovery, calculated weekly up to a maximum of 104 weeks
♦ Medical Expenses: Funeral expenses following death and can be either Ksh.30,000 or Ksh.50,000 per person.
Fire & Perils
When a structure is covered by fire insurance, the insurance policy will payout in the event that the structure is damaged or destroyed by fire.
Trident School Bus
Contractors All Risks
Contractors are often required by the terms of their contracts to have a Contractors All Risk insurance policy. This is a cover that indemnifies the insured should they suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement.
Money Insurance
Money Insurance provides covers under the loss of money in transit, by the insured or the insured’s authorized employee (s), occasioned by robbery, theft or any other fortuitous cause, or loss of money in safe, defined above, by burglary, housebreaking, robbery or hold-up.
Group Personal Accident
Group Personal Accident covers the insured in the event that he/she sustains bodily injury caused solely and directly by accidental, violent, external.
WIBA
WIBA coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. WIBA Compensation provides for the payment of four types of benefits:
Machinery Breakdown
Machinery Breakdown insurance is accident insurance for machinery, which provides cover against unforeseen and sudden physical loss or damage to the insured machinery.
Public Liability
Public Liability cover is designed to compensate an insured in respect to claims from members of the public who may suffer losses due to negligence of the insured or that of his/her employees. The policy cover’s damage as well as the costs of claims for injury or damage to property.
Professional Indemnity
Professional Indemnity cover is to indemnify the insured and his employees against any claims arising out of any neglect, omission or error committed in the conduct of his professional duty.
Consequential Loss
This gives coverage for loss of profits, revenue, rental, standing charges, wages or salaries on payroll basis and increases in the cost of working due to business interruption as a result of five and/or our extended perils such as lightning and explosion.
Fidelity Guarantee
Fidelity Guarantee cover offers protection to the insured for loss suffered as a result of forgery, embezzlement, larceny or fraudulent conversion by employee (s) in the course of employment. The cover will not relieve the individual employee who commits default of the primary responsibility for payment.
Goods in Transit
Goods In Transit offers insurance policies for a wide variety of small and organizations that require cover for their own goods or goods they are carrying on the behalf of others.
Trident Insurance Company Limited Medical Cover
Why Choose Trident Medical products?
♦ Efficient and wide provider network in Kenya Uganda and in India.
♦ Efficient services offered on a 24/7 basis.
♦ TOLL-FREE line available 24/7 and manned by Medical professionals.
♦ Smart Card enabled the system.
♦ The first emergency operation for the caesarean section up to Kshs. 150,000/-.
♦ Chronic, Pre-existing & HIV/AIDS and Congenital are covered up to a sub-limit.
♦ Claim reimbursement at 100% within 10 Working Days from the day of submission.
♦ Road and air evacuation in case of an emergency.
♦ Lodger Fee for children below 6 years of age.
♦ Children covered from birth to 18 years, and up to 25 years will be covered subject to proof of being in school or college on a full-time basis.
♦ The maximum joining age 65 years.
♦ Cover outside Kenya on holiday & Business provided up to Six weeks.
♦ Evacuation abroad for treatment not locally available.
♦ Qualified and dedicated personnel with ability to address customer queries.
♦ Antiretroviral drugs are covered.
♦ Visit to hospitalized clients.
♦ Get well cards.
♦ Regular utilization reports.
♦ Health talks.
Requirements for the commencement of cover
♦ Letter of acceptance of proposed quotation with instructions to be held covered and indicating the effective date.
♦ List of names of eligible members indicating the date of birth, ID number (and category) where applicable.
♦ Copy of ID number for principals, spouses, and dependents above the age of 18 years.
♦ Fully completed application forms for each member.
♦ Contact person(s) and their contact details.
What is covered under In-Patient cover?
♦ Admission in a NHIF accredited hospital.
♦ Accommodation for parent/guardian accompanying a child below 6 years.
♦ Doctors, Surgeons, and specialist fees.
♦ Laboratory investigations, x-rays, ultrasound, ECG, MRI scans.
♦ Prescribed drugs, dressings, surgical appliances, and nursing procedures.
♦ Theatre including surgeons fees and anesthetists fees.
♦ Intensive care (ICU)/High Dependency Unit (HDU).
♦ Limits – from Kshs. 50,000 to Kshs. 10,000,000 per family/ per person.
What is covered under Out-Patient cover?
♦ Consultation with a General Practitioner who is registered with the Kenya Medical practitioners and dentist board.
♦ Consultation with a Specialist on referral by a General Practitioner.
♦ Laboratory investigations, X-rays, Electrocardiograms, Encephalograms.
♦ Outpatient procedures e.g. dressing and cleaning of wounds.
♦ Drugs/ medication dispensed.
♦ Limits – from Kshs. 30,000 to Kshs. 250,000 per family/ per person.
What is covered under Dental cover?
♦ Dental expenses including Consultation with a dentist, Anesthetists fees.
♦ Hospital and Operating Theatre costs relating to extractions and fillings i.e. treatment of the teeth or accidental damage to dentures.
♦ Limits- from Kshs. 10,000 to Kshs. 30,000 per person/ family.
What is covered under Optical cover?
♦ Cost of eye testing.
♦ Eyeglasses and contact lenses (non-disposable).
♦ Replacement of frames accidentally damaged.
♦ Replacement of existing lenses as part of further treatment.
♦ Limits – from Kshs. 10,000 to Kshs. 30,000 per person/ family.
What is covered under Maternity cover?
Maternity cover will cater for,
♦ Delivery expenses.
♦ Pre-natal care.
♦ Post-natal care and Ultrasounds all within the maternity limit.
♦ Limits- from Kshs. 50,000 to Kshs. 150,000 per principal member or spouse.
What are the exclusions?
♦ Any expenses which are payable by any other Insurance e.g. NHIF, WIBA.
♦ Any expenses for medical examinations done for check-up purposes not authorized.
♦ Family planning and fertility treatment i.e. costs of treatment related to infertility and impotence.
♦ Intentional self-injury, suicide or attempted suicide, intoxication, drunkenness.
♦ Cosmetic surgery, massage or beauty treatment.
♦ Naval, Military and Air force operations.
♦ Riding or driving in any kind of race.
♦ Participation in extreme/hazardous or professional sports.
♦ Stays at sanatoria, old age homes, places of rest etc.
♦ Participation in war, invasion, civil war, riots or act of terrorism.
♦ Alternative non-conventional therapy such as chiropractors, acupuncturists or herbalists treatment.
♦ Expenditure incurred by a member or dependants arising from any illegal or criminal act.
♦ Purchase of: Applicators, toiletries, patented foods and nutritional supplements including baby foods; Contraceptive preparations, remedies and devices; tonics, slimming preparations, appetite suppressants and drugs as advertised to the public for the specific treatment of obesity; sunscreen and sun tanning lotion; soaps and shampoos (medicinal or otherwise); vitamins and multivitamins; remedies for bodybuilding purposes; aphrodisiacs; household bandages, cotton wool, dressings and similar aids.
♦ Any treatment arising from an accident or event because the member and/or dependants was/were under the influence of alcohol or drugs.
♦ Outpatient, Dental and Optical covers if not paid f
Trident Insurance Company Limited Offices/Branches
Nairobi Town Office
4th Floor
Barclays Queensway Building,
Kaunda Street
Central Business District
Nairobi
Telephone:
+254 20 2690973
+254 20 2673597
Mombasa Branch
2nd Floor, Jubilee Building,
Moi Avenue
P.O. Box 88716-80100
Mombasa
Tel/Fax: 041-2312417
Wireless: 020 -3501297
E-mail:
marketing.dept@trident.co.ke
Eldoret Branch
2nd Floor, Imperial Court,
Uganda Road
P.O. Box 8216-30100
Eldoret
Telephone: 020- 2349953
Nakuru Branch
1st Floor, Polo Centre
Kenyatta Avenue/
Tom Mboya Street
P.O. Box 7353-20100
Nakuru
Telephone:
020- 2171018
Mobile:
0721 446737
E-mail:
marketing.dept@trident.co.ke
Kisii Branch
Jiwa Shamji Complex,
2nd Floor Kisumu Road
KISII
Telephone: 020 – 2199814
Mobile: 0739939739
Kisumu Branch
Jubilee Insurance House,
2nd Floor Oginga Odinga Street
KISUMU
Telephone: 020 – 2012901
Mobile:0739939461
Meru Branch
Twin Plaza, 1st Floor
Room 4 Ghana Street
MERU
Telephone: 020-2427239
Mobile:0739939480
Trident Insurance Company Limited Contacts
Company Name: Trident Insurance Company Limited
Postal Address: P.O. Box 55651 – 00200, Nairobi
Telephone: 020-2721710
Mobile: 0720600036 / 0734330036
FAX: 020-2726234
E-mail: marketing.dept@trident.co.ke
Website: www.trident.co.ke/