Fire and Accident Insurance

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Description

Benefits of Fire and Accident Insurance | Why Should You Be Insured?

Life is full of unexpected events and, although accidents can't be stopped, with the right insurance, the potential damages can be minimized. Melli Insurance Company offers various insurance coverages for fire and accidents, standing by your side to bring peace of mind to your home and workplace.

توضیحات تخصصی محصول

Why Fire and Accident Insurance?

  • Protection for your life, assets, and your family against potential risks
  • Financial coverage for incidents such as fire, theft, damage to others, and more
  • The option to choose an insurance policy tailored to your specific needs for different areas of life and business
  • Fast and precise support during claims
  • Melli Insurance Company has designed a range of diverse insurance policies to address the various needs of individuals, families, and businesses.

Types of Fire and Accident Insurance Policies

  1. Fire Insurance Policy

    Covers damages caused by fire, explosion, and lightning. This policy includes the building, contents, equipment, and even warehouses, compensating for large-scale losses due to fire.

  2. Combined Housing and Family Protection Policy

    This policy goes beyond regular coverage and includes:

    • Damage caused by fire to your home and its contents
    • Personal accidents inside the home
    • Tenant’s liability towards the landlord
    • Transportation of household items if necessary
  3. Theft Insurance Policy

    In case of theft of property from the insured location (through illegal entry, use of fake keys, or break-ins), the insurance company pays compensation up to the determined limit.

  4. Cash Insurance Policy

    For cash amounts that are:

    • Kept in secure safes
    • In transit between branches or stores
    • With accurate accounting records, full compensation is provided in case of theft.
  5. Travel Coupon Policy

    A quick and practical policy for travelers. This insurance protects individuals against potential incidents from the moment they leave home until they return, with any mode of transportation.

Other Complementary Insurance Policies

  • Personal Accident Liability Insurance: Covers bodily and financial costs resulting from incidents affecting others.
  • Glass Insurance: Compensation for damages caused by glass breakage at home or work.
  • Comprehensive Banking and Hotel Policy: Full protection for assets, documents, equipment, and persons in banks and hotels.
  • Loan and Advance Policy: Support for loan amounts or advance payments in the event of unforeseen events.
  • Loyalty Guarantee Policy: Designed for businesses in direct contact with human resources; this insurance ensures proper employee performance.

Conclusion

Fire and Accident Insurance acts as a defensive shield against financial and psychological crises caused by unexpected events. By making the right and informed choice, you can:

  1. Have peace of mind
  2. Protect your investments
  3. Not be alone in times of incident

For more information and to select an insurance policy suited to your needs, visit one of Melli Insurance Company’s branches in your province of residence.

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About the Business

National Insurance Company

Address:
  • Iraq, Baghdad, Rusafa District, Al-Khilani Square, Al-Jumhuriya Street, National Insurance Company

National Insurance Company

The National Insurance Company is a completely state-owned entity with financial and administrative independence.

Established in 1950 under Law No. 56, the National Insurance Company transformed its structure and operational framework in 1997, as per Law No. 22. It is now considered one of the largest insurance companies in the Arab world. According to Cabinet Resolution No. 481, the company's capital in 2021 totaled 60 billion Iraqi dinars.

The National Insurance Company offers a wide range of products in insurance, reinsurance, and investment, alongside providing professional advisory services in diverse areas, including life insurance, marine and aviation insurance, engineering and agricultural insurance, motor insurance, fire and accident insurance, and marine insurance, to its clients.

  • Our Vision: 

    To promote a sound insurance culture in society, increase public awareness about the importance of insurance in reducing the social problems caused by accidents and risks, and support policyholders in restoring their economic and health status to pre-incident levels.
  • Our Mission: 

    As a leading company in the Iraqi insurance industry, we are committed to maintaining the stability and security of the national economy by providing assurance and security to investors and businesses, thereby strengthening the job market and accelerating the country's economic growth.
  • Our Goals: 

    To contribute to sustainable economic development through extensive insurance services, purposeful production, and investment activities. By providing comprehensive insurance coverage, we protect individuals, assets, and national wealth, thus supporting the sustainability and growth of the country's economy.

Our Activities

  • General insurance including marine, fire and accident, motor, agricultural, and engineering insurance
  • Life insurance
  • Professional insurance consultancy services
  • Investments in real estate, deposits, stocks, and real estate-related loans

Partnerships

The National Insurance Company actively collaborates with 42 local companies and several reputable regional companies, including Bahrain National Holding Company, Arab Reinsurance Company in Beirut, Arab Insurance Institute in Damascus, and the Arab War Risks Insurance Syndicate in Bahrain.

Investments

The company's investments include real estate, deposits, and money transfers, as well as participation in the capital of mixed and private Iraqi and Arab companies, and the granting of real estate-related loans.