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NGO Gold

Britam Malawi recognizes the crucial role NGO’s play in social and economic development of Malawi. NGO’s have been developmental partners for a very long period of time. They play very crucial roles in areas like:-

  • Agriculture & food security,
  • Water & Sanitation,
  • HIV/Aids
  • Disaster preparedness,
  • Climate change,
  • Good governance, etc.


As a company, Britam recognizes the challenges NGO’s are facing mainly on sourcing funding. These challenges sometimes cripple the operations of NGO’s. NGO’s have been having challenges in securing their assets in form of insurance due to in-adequate funding. It is with this background that Britam Introduced NGO Gold Cover Insurance Policy to support the efforts of NGO’s in Malawi

NGO Gold Cover is a unique tailor-made packaged insurance cover with wider limits covering motor and non-motor risks. NGO Gold Cover motor section has higher limits compared to the conventional motor insurance. The limits are as follows :-

  • Third Party property Damage Limit – MK7,000,000.00
  • Third Party Death/Bodily Injury Limit –MK7,000,000.00
  • Third Party Loss of Use Limit -MK500,000.00
  • Self-Authorization Limit- MK750,000.00
  • Personal Accident Limit to driver –MK500,000.00
  • Passenger Liability Limit-MK750,000.00


The policy also extends to cover some non-motor risks. This is an innovation and its the first of its kind in the market. Most motor policies do not cover non motor risks. Non-motor risks covers under NGO Gold Cover are as follows :-

  • Electronic Equipment cover up to K850,000.00 per annum
  • Personal Accident Cover to other employees up to K1,000,000.00 per annum
  • Workmen’s Compensation cover to other employees up to K1,000,000.00 per annum
  • Money in the hands of employees cover up to K500,000.00 per annum


In additional for all other covers NGO’s have with Britam they get an automatic 15% discount. The policy attracts an affordable rate of 5%. This obviously is a relief to NGO’s as they are able to cover their assets at a lower rate and at the same time enjoying wider cover and limits. The policy also is simple to handle as only one policy is issued thereby limiting time NGO’s take when arranging cover. Peace of mind is what NGO’s are having and as the continue dedicating their efforts to their core duties of safeguarding the future of Malawi knowing that Britam is with them every step of the way.

Motor Insurance -NGO Gold Party Downloads