SONGA Insurance

Name: SONGA Insurance
Address: Iraq, Erbil, Kirkuk street , opposite of Sky Erbil Hotel, Erbil, Iraq

Address:

Iraq, Erbil, Kirkuk street , opposite of Sky Erbil Hotel

Contact Numbers:

009647507730111

Working Hours: Saturday to Thursday: 09:00 to 20:00

Manager: Dlzar Ismail Ahmed

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About Us

SONGA Insurance Company

SONGA Insurance Company began its operations in 2017 with the opening of its headquarters in Erbil, Kurdistan Region of Iraq. With a humble approach focused on service quality, the company quickly established itself as one of the top travel insurance providers in the region.

SONGA insurance policies are highly recommended by official consulates due to their strong reputation and guaranteed security. One of the company's key advantages is the ability for clients and official entities, such as embassies and consulates, to verify the validity of insurance policies online—this transparency has fostered wide trust among clients.

Service Expansion:
At the start of 2021, after in-depth studies and a review of global insurance standards, SONGA Company expanded its service scope and introduced new types of insurance products to meet diverse customer needs. This development was done with an emphasis on adherence to international quality and a value-driven approach to service.
SONGA 's Mission:
To provide innovative, high-quality insurance products and services that offer effective and reassuring protection for clients under all circumstances.
Company Vision:
At SONGA, we aim to continuously, professionally, and purposefully expand our range of services; at the same time, we are committed to maintaining international quality standards, transparency, and value creation to secure our position as the leader in Iraq's insurance industry.

Our Main Areas of Activity

Providing professional and precise services to clients by a young, trained, and experienced team
Complete transparency in the processes of issuing, renewing, and verifying insurance policies
In-depth understanding of the market and customer needs to offer insurance solutions suited to real conditions
Responsiveness and professional consultation in all insurance areas, regardless of the nature of questions or the client's level of need

Kurdistan: A Platform for Sustainable Growth

The Kurdistan Region of Iraq, through implementing structural reforms, providing business infrastructure, and adopting open economic policies, has created excellent conditions for dynamic businesses.

The region's strategic geographic location has turned it into an ideal gateway to the global market. The Kurdistan Regional Government, by adhering to the rule of law, free economy, and democratic principles, has established an enabling environment for growth, innovation, and a bright future for its citizens.

SONGA Company, in line with this path, believes that building real infrastructure is a prerequisite for achieving lasting success in the insurance and financial services sector.

Services

Health Insurance

Health insurance is a bond or contract agreement between two parties in which the first party (Insurer Company) bears the expenses incurred in healing procedures, services, and/or other kind of treatment provided to the second party (individual or group) in return for a specified amount, to be paid in one payment or in installments. Health insurance is basically based on the concept of distributing the anticipated risk that an individual may face, which leads to alleviating the burdens and costs involved in health service provisions treating the diseased cases that the insured are exposed to, and it is thus a social system based on cooperation and interdependence between individuals to bear what one of them cannot bear alone, and companies The insurance organizes the benefit from the distribution of risk in return for a known wage (insurance premium) and provides health insurance for the insured 1- Psychological safety and reassurance from the dangers of diseases and surgeries, mental health services. 2- Raising the level of health and productivity of the individual. 3- Protecting individuals' incomes from price fluctuations and high treatment costs. 4- Improving the quality of the medical service in return for what the insured pays.

Cars Insurance

Get advantages and benefits from comprehensive insurance for your car against all dangers in case of any accident, then drive safely, and total protection to keep your car in good condition, for the longest period possible. You will be able to benefit from the following guarantees and advantages: • Collision with another vehicle, whether caught identified or not. • A collision with a stationary or moving object. • The insured vehicle overturns without prior collision. • Damage caused by floods and highly suppressed streams. • flood. • Stone collapses. • falling rocks. • falling ice, hail.

Travel Insurance

Travel Insurance is a product specifically designed to suit the needs of individuals, executives, and other staff or laborers who are required to make frequent trips outside the country. Covering the Following: • Emergency Medical Expenses • Evacuation & Repatriation • Emergency Dental Coverage • Catastrophe • Loss of Baggage • Flight Cancellation • Sea and Mountain Rescue in travel • Personal Liability

Fire Insurance

Insurances for Fire and Burning Cases: Fire insurance is one of the important insurance products offered by the insurance market to the public, as it plays a role in preserving their property and responsibilities towards others, as well as protecting public property by compensating for damages that occur in the wake of the insured dangers.

Multi-risk housing insurance

Multi-risk insurance that adapts to the value of your property: a flexible offer that gives you the freedom to determine the insured values of your home and its contents, taking into account your needs and budget Comprehensive and holistic coverage of many potential events : • damages due to water streams. • Theft and vandalism. • Fire, explosion, and related hazards. • Broken glasses. • Civil liability for houses. • Civil responsibility for personal life and the head of the family. • Home accident. • Defense and appeal, court procedures. • Broken information equipment. • Broken satellite dishes. • Damage to electrical and electronic devices. • Loss of refrigerator and relative components. • Loss of benefit. • Loss of rented thing. • Re-housing expenses. • Moving expenses. • Fees for experts, architects, interior specialists, and study offices. • Expenses of temporary closure and guarding. • Expenses of removing residuals and wastes. • Paying the insurance contribution for "damages - works". • Emergency rescue expenses. • Matching and revision expenses, and inspection costs.

Personal Accident Insurance

An Amount will be allocated for insurance purposes, in the event of an accident leading to death or permanent disability totally or partially, or weekly payments in the event of temporary total disability. This type of insurance covers the risks that affect humans, which are: • Death (and in this case, the heredity is compensated). • Permanent total disability. • Permanent partial disability. • Temporary total disability (weekly payments are made).

Marine Insurance

This type of insurance provides protection for property during its transportation by different transporter agencies, whether by cars - trucks - railways, or other means of transportation, which covers all losses and damages resulting from loss and / total or partial damages to the insured items as a result of a fire and/or Overturning or collision of the means of transport. With a more advanced insurance service, the affiliated insurance companies provide insurance protection for goods and movables from the time of delivery of the insured property to the transporting unit until it is unloaded at the final destination.

Engineering Insurance

It covers all contractors’ risks, fraud, and different kinds of corruption, that the insurance services cover and we give to the projects to be established. These services are aimed at securing the projects effective from the date of commencement up to the final handing over to the employer. The insurance is for the entire completion period as well as the maintenance period or if stipulated, in compliance with the conditions of the contract. As for the other types, the insurance takes place after the completion stage, i.e. insurance on projects during their operation... Therefore, insurance for these types is an annual insurance determined according to the desire of the insured and covers some losses that occur as a result of operational, mechanical, or electrical risks or due to normal negligence and lack of experience For each type of specialized insurance policy, it has its own terms, conditions and exceptions. Among the risks covered by the two policies, all the contractors’ risks and all the fraud risks are: 1. Hazardous Cases of Force Majeure... such as floods, immersion, earthquakes, volcanoes, storms, tornadoes...etc. 2. Other kinds of endear... such as fire, theft, explosion, collapse, and everything that is not expressly excluded in the document. 3. Maintenance is also covered. Note that the available coverage is the extended maintenance cover, which covers the damages caused by the contractor during his visit to the work site and in the implementation of his obligations under the construction or installation contract ... It also includes, in addition to what was mentioned above, the damages discovered during the maintenance period, which are caused by the construction and installation or inspection periods. 4. In addition, the cover of civil liability, machinery, construction equipment, and all temporary works used in the implementation can be included.