What we offer.

ICZ holds the short-term insurance industry together through three areas of work: the shared insurance pools, the support services members rely on, and the voice in the room when policy is written. Below, find your insurer, find the right cover, and file a claim through the 591 National Call Centre.

Find an insurer File a claim / Call 591
Insurance Pools Auxiliary Services Advocacy Bureaus & 591 Claim Process
ICZ representatives in a boardroom discussion The voice of the short-term insurance industry
01 / Service

Insurance Pools Management.

ICZ administers the insurance programmes commonly known as pools: premium management and investment, and the disbursement of claims. Four major pools run under the council, each with its own constitution and a shared, equal-stake model among members.

MIP

Motor Insurance Pool

Road Traffic Act cover for motorists visiting Zimbabwe without a Yellow Card. Issued at the borders by ZIMRA and the Automobile Association of South Africa, under its own constitution, with members sharing equally each year.

COMESA Yellow Card

National Bureau of Zimbabwe

Third-party cover for motorists travelling to COMESA member countries, per the laws of the country visited. A regional scheme signed by Heads of State in 1986 and operational since 1 July 1987. Cover spans property damage, death, medical and funeral expenses, and permanent disability.

SRIC

Special Risk Insurance Consortium

Collective cover for special risks: professional indemnity for security companies, brokers and assessors, loss adjusters, medical practitioners and risk advisors, plus Passenger Personal Accident (PPA) no-fault cover for public service vehicles.

MIB

Motor Insurance Bureau

The shared motor insurance machinery that supports the pools, coordinating cover and the orderly handling of motor claims across the industry.

02 / Service

Auxiliary activities & services.

Support to members and other stakeholders, delivered as dictated by the council's constitution. The everyday machinery that keeps the industry coordinated, informed and protected.

Member meetings & networking

Inter-member meetings, conferences, seminars and networking events that keep the industry aligned and moving as one.

Industry statistics & data

Compilation and storage of industry information and statistics, plus underwriting data and risk management and disaster profiling through the Fire Prevention Inspection Bureau.

Fraud detection & prevention

Investigation and prevention of insurance fraud and industry crimes through the Zimbabwe Insurance Crimes Bureau, supporting prosecutions and recoveries.

Collective bargaining

Collective bargaining with employee unions on behalf of members, through the Insurance Employers Association of Zimbabwe.

Shared ICT systems

Shared ICT business operating systems that give members common, reliable infrastructure for industry-wide processes.

Risk management & profiling

Risk management and disaster profiling that strengthens underwriting decisions and the industry's resilience to large losses.

03 / Service

Advocacy & representation.

ICZ represents its members in the drafting and reform of legislation, policy and regulation. On corporate governance, tax and legal matters, it is the industry's source of information, and is frequently consulted by legislators and policymakers.

A handshake confirming an agreement at an industry meeting

The voice in the room when policy is written.

Expert committees advise regulators on the technical and strategic aspects of policy during drafting, promoting best practices and standards for the whole industry.

Educational and public-awareness work then carries that standing outward, lifting insurance penetration and coverage ratios and securing the industry's long-term relevance to consumers and to national economic development.

  • Regulatory and technical advocacy through expert committees
  • Non-life insurance product and public-awareness advocacy
  • The industry's source of information for legislators and policymakers

Bureaus & the call centre

Specialist arms of the council.

Beyond the pools, ICZ runs dedicated bureaus and the national call centre that carry the industry's technical, anti-fraud and public-response work.

FPIB

Fire Prevention Inspection Bureau

Risk surveys, inspection and commissioning for fire-prevention systems, and installation designs for government, industrial, commercial and residential buildings.

ZICB

Zimbabwe Insurance Crimes Bureau

The second such establishment in Africa, after the South African Insurance Crime Bureau. It investigates insurance fraud and industry crimes for prosecutions and recoveries, with a strengthened presence at Beitbridge.

591

591 National Call Centre

Integrated emergency and insurance response, providing real-time assistance to road accident victims. The public front door to the council's services.

Find your insurer.

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

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.

    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