1. Acceptance of Terms
By accessing our website or engaging Hamarkoh Insurance Agency services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.
2. Services
Hamarkoh Insurance Agency provides insurance advisory and intermediary services, helping clients obtain suitable insurance cover from regulated underwriters. We act as an insurance agent and do not underwrite insurance policies ourselves.
3. Quote Requests
Quote requests submitted through our website are not binding insurance contracts. Quotes are indicative and subject to underwriter approval. Final premiums and terms are confirmed at policy issuance.
4. Accuracy of Information
Clients are responsible for providing accurate and complete information when applying for insurance. Misrepresentation or non-disclosure of material facts may void a policy or result in claim rejection.
5. Premium Payments
Insurance cover is only valid when premiums have been paid in full as agreed. Hamarkoh is not liable for losses arising from lapses due to non-payment of premiums.
6. Claims
While we assist clients in the claims process, all claim decisions are made by the respective underwriters. Hamarkoh advocates on your behalf but cannot guarantee specific claim outcomes.
7. Limitation of Liability
Hamarkoh Insurance Agency shall not be liable for any indirect, consequential or incidental losses arising from the use of our services, website, or reliance on information provided, except to the extent required by law.
8. Intellectual Property
All content on this website — including text, images, logos and branding — is the property of Hamarkoh Insurance Agency and may not be reproduced without prior written consent.
9. Governing Law
These Terms and Conditions are governed by the laws of Kenya. Any disputes shall be subject to the jurisdiction of Kenyan courts.
10. Contact
For any questions regarding these terms, contact us at info@hamarkoh.co.ke or 0143 219 462.
Last Updated: January 2024