The voice of short-term insurers and reinsurers in Zimbabwe.

ICZ is a voluntary association of short-term insurers and reinsurers, governed by a constitution and a code of conduct. We protect, promote and advance the common interests of the industry, delivering unique and valuable outcomes to stakeholders since 1963.

Find an insurer File a claim / Call 591

Our impact

A unified industry, delivering real outcomes.

2,320+
591 calls handled by the National Call Centre
250+
Wards trained in climate and agriculture insurance
20k
MSME farmers reached through the Farmers Basket index insurance
3+
ESG-insured pilot insurers for FSD Africa

A new standard for the industry.

We are a self-disciplining ethical industry that fosters the protection, promotion, cooperation and advancement of the common interests of our members and stakeholders.

Since 1963

What we're about

Our mandate, in four parts.

Mandate

A self-governing association of short-term insurers and reinsurers whose mandates are derived from the objects of its Constitution: to protect, promote and advance the interests of short-term insurance underwriters, and to promote agreements and cooperation between members.

Vision

To be a professional, well organized and ethical non-life insurance industry, reputed and trusted by stakeholders based on the delivery of unique value.

Mission

We shall be a self-disciplining ethical industry that fosters the protection, promotion, cooperation and advancement of the common interests of its members and stakeholders.

Values

Professionalism, Integrity, Passion, Ethics and Team Spirit. An unwavering commitment to act truthfully and ethically, even when no one is watching.

A self-governing association of short-term insurers and reinsurers whose mandates are derived from the objects of its Constitution: to protect, promote and advance the interests of short-term insurance underwriters, and to promote agreements and cooperation between members.
To be a professional, well organized and ethical non-life insurance industry, reputed and trusted by stakeholders based on the delivery of unique value.
We shall be a self-disciplining ethical industry that fosters the protection, promotion, cooperation and advancement of the common interests of its members and stakeholders.
Professionalism, Integrity, Passion, Ethics and Team Spirit. An unwavering commitment to act truthfully and ethically, even when no one is watching.

What we offer.

Three areas of work that hold the short-term insurance industry together: the shared pools, the support services, and the voice in the room when policy is written.

Insurance Pools Management

MIP, the COMESA Yellow Card, SRIC and the Motor Insurance Bureau: premium management, investment and claims disbursement.

Auxiliary Activities & Services

Member meetings, industry statistics, conferences, collective bargaining, risk profiling, fraud prevention and shared ICT systems.

Advocacy & Representation

Representing members in the review and reform of legislation, policy and regulation, and acting as the industry's source of information.

Our members.

Every short-term insurer and reinsurer in the council, each duly registered by the Insurance and Pensions Commission of Zimbabwe (IPEC). Search or filter to find your insurer.

Short-term insurers

  • AFC Insurance
  • Alliance Insurance
  • Allied Insurance
  • CBZ Insurance
  • Cell Insurance
  • Champions Insurance
  • Clarion Insurance
  • Credsure
  • EcoSure
  • ECGC
  • Empaya Insurance
  • Evolution Insurance
  • FBC Insurance
  • Hamilton Insurance
  • NicozDiamond
  • Old Mutual Insure
  • Quality Insurance (QIS)
  • SAFEL Insurance
  • Sanctuary Insurance
  • Zimnat

Reinsurers

  • First Mutual Reinsurance
  • WAICA Re
  • MucaRE
  • Emeritus Reinsurance
  • Grand Re
  • ZB Reinsurance
  • ZEP-RE
  • Tropical Reinsurance
  • FBC Reinsurance

Search and filtering are available when JavaScript is enabled. To reach any member about a policy or claim, call the 591 National Call Centre or the Help Desk on +263 78 860 9944.

Find cover · File a claim

Tell us what you need. We'll point you to the right pool, the right form, and the right number.

A guided path through ICZ's own claim process. Built from the council's real pools, forms and the 8-step claim path; ending in one tap to the 591 National Call Centre and the Help Desk.

Step 1 of 1 · What applies to you?
What kind of cover or claim do you need?

Your cover route

    Call 591 now Email ICZ

    The guided find-cover tool needs JavaScript. The cover routes are:

    • Motor Insurance Pool (MIP): foreign motorists visiting Zimbabwe without a Yellow Card. Claim form from ICZ.
    • COMESA Yellow Card: third-party cover for travel to COMESA countries.
    • Special Risk Insurance Consortium (SRIC): professional indemnity for brokers, assessors, security firms and practitioners.
    • Passenger Personal Accident (PPA): no-fault cover for public service vehicle passengers.

    For any claim, call the 591 National Call Centre, or the Help Desk on +263 78 860 9944, and we will route you to the right pool, form and insurer.

    We give not because we have. We give because we love and care.

    Our corporate social investment prioritises timeous intervention in national disasters, the communities in the insurance value chain, and relief for disadvantaged individuals.

    Community aid and relief
    Love & Care: support to road-accident victims and disadvantaged children
    Healthcare support
    Ambulances and equipment for the Ministry of Health and Child Care
    Smallholder farming
    Climate and agriculture insurance education at ward level
    Harare cityscape
    Disaster relief through the Civil Protection Unit

    Help

    Simply lodge your claim in 8 steps.

    Report your claim by phone, letter, email or in person as soon as possible. Where the incident involves an accident, report to the police as soon as you can.
    Professional Indemnity forms come from the fronting insurer; COMESA, MIP and PPAP forms from ICZ; all others from your own insurer.
    Provide the police report, licence and registration book, plus three or more quotations for COMESA and MIP claims. PPAP claims need a police report and victim list; PI claims need their supporting documents.
    ICZ confirms a valid policy is in force and that the premium has been paid in full.
    An assessor is appointed to evaluate the claim. PPAP claims are assessed on a no-fault basis.
    A decision is reached on the claim based on the assessment and the cover in force.
    Approved claims are settled and payment is disbursed.
    ICZ follows up to confirm the claim is closed to your satisfaction. For any complaint, the same path applies: notify ICZ, gather information, submit a written complaint, resolution, decision and follow-up.

    Get insured today.

    Need any help, or looking for an agent? Reach the council, find a member insurer, or call the 591 National Call Centre.

    Contact ICZ Call 591