Service that keeps up with you
Quick response times, regular updates, and a system designed for your convenience, including the online services below.
Insurance, made clear.
Since 1998, Premier Risk Group has matched individuals and businesses across the region with the right cover, and explained every policy in plain language.
Get a quote for any cover, or see what we insure.
Established 1998
Since 1998More than 27 years advising individuals and businesses
Two officesWith people you can speak to
Global networkInsurers, reinsurers and technical experts
Free cover checkYour ZINARA and radio licence status, checked by our team
Who we are
For over 27 years we have had a single purpose: to demystify insurance and make risk management accessible to individuals and corporations across the region.
We act as your strategic partner and take on the burden of your risks. We take the time to understand your needs, then match them with tailored solutions from our network of insurers, reinsurers and technical experts around the world.
Our vision
To be the most preferred risk management company in Africa, south of the Sahara.
Our mission
- To simplify the concept of insurance for the general public.
- To increase the insurance penetration ratio in the region.
- To make insurance and risk management easy to understand, so that our clients fully reap their benefits.
What every client relationship rests on
Integrity, honesty, trust, professionalism, service and human dignity. We hold ourselves to these six, and we want you to hold us to them.
More than a policy
We build a partnership around exceptional service and support.
Insurance, explained properly
We explain your policy documents in clear terms and advise you on the claims process so that payment is prompt. We also hold regular insurance clinics.
Ask about the next clinicPayment that fits
We facilitate premium financing and other payment plans to make insurance more affordable and easier to manage.
Ask for a payment planHow we work
From the first conversation to every renewal, five steps keep your cover right and your costs under control.
Consultation
We listen to what you want to protect and identify the risks you face.
Risk assessment
We review your property, vehicles, operations or family needs and agree a suitable sum insured.
Quotations
We approach our panel of insurers and bring you clear written quotations showing cover, limits, excess and premium.
Placement
Once you accept, we place the cover, and your policy documents and certificate of insurance are issued.
Review
We contact you before renewal, and whenever your circumstances change, to keep your cover right.
What we insure
Our partnerships with a large panel of insurers give you access to enhanced cover. Choose a class to see what it protects.
Motor insurance
Comprehensive cover for private vehicles, commercial vehicles and motorcycles, with access to enhanced cover through a large panel of insurers.
Ideal forPrivate car owners, motorcyclists, commuters and businesses with vehicles on the road.
- Private vehicles
- Cover for cars and light vehicles used for private purposes.
- Commercial vehicles
- Cover for vehicles used in business.
- Motorcycles
- Cover for motorcycle owners.
- Enhanced cover
- Excess protectors, courtesy cars and road rescue.
- Licensing online
- Bundle your premium, ZINARA road user fee and radio licence into one order, or check your licence status first.
Property insurance
Protection for your buildings, contents and equipment against loss or damage, and for your income if you cannot trade afterwards.
Ideal forHomeowners and tenants, shops, offices, factories, warehouses and contractors.
- Fire and perils
- Protects assets and buildings against loss or damage from fire, lightning, earthquake, explosion, riot, impact and more.
- Business interruption
- Covers lost income and ongoing costs while you cannot trade after an insured loss.
- Domestic package
- Comprehensive cover for your home, contents, house servants and personal legal liability.
- Burglary
- Covers loss or damage from theft involving forcible entry or exit.
- Contractors all risk
- Protects contractors against damage to works, third-party property damage and bodily injury for the duration of a project.
- All risks
- Covers portable and electronic items such as laptops, cameras and televisions against loss or damage.
- Money
- Covers loss of money in transit or on your premises.
Liability insurance
Protection against the legal costs and compensation that can follow an injury or damage you are held responsible for.
Ideal forRetail, manufacturing, services and hospitality, and any business with staff.
- Public liability
- Protects against legal liability for injury or property damage to third parties arising from your business activities.
- Employers liability
- Protects employers against their legal liability for the death or injury of an employee caused by negligence.
Group personal accident
A policy designed to cover your employees while they are on duty.
Ideal forEmployers who want their staff protected at work, from small teams to large workforces.
- Accidental death
- A benefit paid if an accident results in death.
- Disability
- Permanent or temporary total disability.
- Medical expenses
- Costs of treatment following an accident.
- Funeral expenses
- Support with funeral costs.
Marine hull and cargo
Cover for goods in transit and for the vessels that carry them.
Ideal forImporters, exporters, distributors, traders, farmers and vessel owners.
- Marine cargo
- Covers loss or damage to goods from the point of origin to the final warehouse.
- Marine hull
- Protects the vessel itself against accidental damage during a voyage or while docked.
Travel insurance
Comprehensive cover for travellers.
Ideal forHoliday, business and study travellers.
- Documents and delays
- Loss of passport and travel delay.
- Baggage
- Lost luggage.
- Health
- Medical expenses, personal accident and emergency evacuation.
Bonds and guarantees
Surety we can arrange through the insurance market or through a bank.
Ideal forContractors, suppliers bidding for tenders, importers and warehouse operators.
- Performance bonds
- Guarantee that a contract will be performed.
- Advance payment bond
- Guarantees that funds advanced by the principal to a contractor are used as agreed.
- Bid bond
- Obtained when bidding for contract works.
- Retention bonds
- Guarantee funds retained when a contract is wound down before commissioning.
- Contractors all risks
- Covers accidental damage to materials on site, temporary works and shelters, loss of materials in transit between sites, and related liabilities during construction.
- Customs and excise bonds
- Guarantee duties and excise due to the authorities.
- Warehouse bonds
- Cover the deferment of duty on goods held in a warehouse until it is paid, including customer goods held against negligence while they wait for duties to be settled.
Online services
Check a vehicle’s licence status, order insurance with ZINARA and radio licensing, and follow your order, without queueing.
Check My Cover Free
Find your ZINARA and radio licence expiry dates and any amounts owing. Results usually arrive within minutes.
Get insurance and licensing Order
Bundle your insurance premium, ZINARA road user fee and radio licence into one order. An operator calls or WhatsApps you to arrange payment.
Track my order No account needed
See where your order or cover check has got to, using your reference.
My account Sign in
Sign in with your phone number and PIN to see your vehicles, their licence status and your orders in one place.
Our team
Our strength lies in seasoned professionals with decades of combined experience.
Management
Charles Makirimani
Managing Director
A corporate insurance practitioner with over 30 years’ experience as a commercial broker and insurer.
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Charles has managed portfolios for Stock Exchange-listed companies and has various interests in the energy and mining sectors. He also has extensive experience in golf as an administrator and player, and has been a member of the Zimbabwe Golf Association and the Zimbabwe Golf Awards Council.
Lavender Mufudza
Corporate Executive
An experienced insurance practitioner with vast corporate experience from several top insurance companies.
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Lavender holds a degree in Risk Management and Insurance.
Runyararo Mandirahwe
Regional Executive
25 years of corporate experience across finance, education and various other sectors.
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A prominent marketer par excellence.
Board
Wilson Tatenda Manase
Chairman
A veteran legal practitioner and Managing Partner of Manase and Manase Legal Practitioners.
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An exceptional corporate rescue practitioner for several listed organisations, Wilson brings extensive board experience from roles at the National Oil Company of Zimbabwe, Petrozim and Metropolitan Bank.
Precious Lucia Tafireyi Buyanga
Non-Executive Director
A chartered accountant and financial specialist with over 20 years of experience.
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Precious’s experience spans services, golf administration, humanitarian work and heavy industrial manufacturing.
Lynley Cahill
Non-Executive Director
A resilient entrepreneur with over 15 years of corporate experience, and founder of Southern Technology Solutions.
Read full profile
Lynley founded and has led Southern Technology Solutions since 2011, building it into a recognised SME in road infrastructure rehabilitation across Zimbabwe. She has delivered innovative repair and maintenance solutions nationally and opened opportunities for smaller firms in national rehabilitation programmes. Her earlier career, from 1996, spanned administration, project management and leadership.
Hon. Andrew Makahamadze
Board Member
A respected community and corporate leader, and Board Chairman of the Zimbabwe Combined Residence and Ratepayers Association (ZICORRA).
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Hon. Makahamadze also chairs the Southerton Constituency Community Development Trust. He is Founder and Board Chairman of the Andrew Makahamadze Foundation (Gunyana Prestigious Awards) and a Board Member of the Global Corporate Security Board. He is a Goodwill Ambassador for the Ethics Institute Zimbabwe and Great Dyke University, and holds a Diploma in Business Intelligence from Mount Carmel Institute.
Dr. Precious Sibiya
Board Member
An award-winning business mentor and retired Army Captain, and a former senior government official.
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Dr. Sibiya holds an honorary Doctorate in Law from Belize University, a Bachelor of Laws (Honours), a Master’s degree in Intellectual Property, and certificates in Leadership and Business and in International Travel and Tourism Law. She chairs the Mutare Polytechnic Advisory Council and the Liquor Licensing Board, serves as Vice Chairman of the Air Zimbabwe board, is Legal Consultant to the Hospitality Association of Zimbabwe, and is Intellectual Property Rights Officer in the Research and Innovation Division at Midlands State University.
Making a claim
When something goes wrong, we make the claims process simple and fair, and we follow it up with the insurer on your behalf.
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Make safe
What you doProtect people first, then prevent further damage. Report theft, fire or accidents to the police where required.
What we doAdvise you on the immediate steps to take and on emergency help where it is needed.
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Notify us
What you doContact us as soon as possible. Do not wait until the end of the policy period.
What we doOpen a claim file, give you a reference number and notify the insurer.
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Submit documents
What you doComplete the claim form and send the documents listed below.
What we doCheck the claim, ask for anything that is missing and send it to the insurer.
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Assessment
What you doAllow the insurer’s assessor or surveyor to inspect the loss.
What we doFollow the assessment with the insurer on your behalf.
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Settlement
What you doAccept the offer or raise any questions with us.
What we doFollow up for prompt payment. The insurer settles valid claims by repair, replacement or payment.
Documents usually needed
Your insurer may ask for more. We tell you exactly what is needed when you report the claim.
Motor
Claim form, driver’s licence, vehicle registration, police report, photos and repair quotations.
Property
Claim form, photos, proof of ownership and value, quotations, and a police or fire report.
Business and interruption
Claim form, financial records, stock lists, invoices, an incident report and supporting evidence.
Our service standard
We acknowledge every claim within 2 working days and keep you informed at each stage. How long settlement takes depends on the type of claim, the insurer and the documents we receive.
Honesty matters
A fraudulent or exaggerated claim can be refused and may lead to cancellation of the policy and legal action.
Questions we are often asked
Insurance basics, claims, payment and the online services. Cannot see your question? Call 0774 051 654 or send us a message. For more, read our insurance guide.
About insurance
How do I make a claim?
Contact us as soon as you can after an incident, and check with us before you repair or dispose of anything. We will tell you which documents the insurer needs and follow the claim with them, so that payment is prompt. Call either office or use the message form below. The full steps are above.
What is an excess?
The part of each claim that you pay yourself. The insurer pays the rest, up to the policy limit. A higher excess usually lowers your premium, and every quotation we give you shows the excess.
What is underinsurance?
Insuring something for less than it is really worth. If you claim, the payout can be reduced in proportion. Review your sums insured every year, and tell us when you buy, renovate or upgrade anything.
Do I have to tell the insurer everything?
Yes. You must disclose every fact that could affect the insurer’s decision or price, even if it seems minor. Hiding facts can lead to a claim being rejected. We help you work out what to disclose when we prepare your quotation.
What happens at renewal?
We contact you before the expiry date and review your needs with you, so that your sum insured and cover still fit your situation.
Can I change or cancel my policy?
Yes, speak to us. Cancellation terms, refunds and notice periods are set out in your policy document, and we will explain them to you.
What can I get a quote for?
Motor, property including business interruption, marine hull and cargo, group personal accident, liability, travel, and bonds and guarantees. Tell us what you need in the quote form and we will come back to you.
Online services
Does the website take payment? Is it safe?
No card or mobile-money payment is taken on this website. After you submit an order, one of our team calls or WhatsApps you to arrange payment by EcoCash, bank transfer or cash. Never share your account PIN with anyone, and only type an activation code into our own website.
Is Check My Cover really free?
Yes. It costs nothing to find out your ZINARA and radio licence expiry dates and any amount owing. If you then order insurance or a licence through us, the total is shown before you submit the order.
How long does a cover check take?
A member of our team looks your vehicle up by hand on the ZINARA portal, which usually takes a few minutes. If you would rather not wait, the page offers to send the result to you on WhatsApp.
Do I need an account?
No. Checking your cover, placing an order and tracking it all work without one. An account lets you see all your vehicles and orders in one place. Our team sets it up and sends you an activation code on WhatsApp.
Get a quote
Tell us what you want covered. A broker will come back to you with options from our panel of insurers.
- Individuals, families and businesses are all welcome.
- You choose how we reach you: a call, WhatsApp or email.
- Not sure what cover you need? Say so, and we will help you work it out.
Only need to know when your vehicle licence runs out? Check My Cover is free and needs no quote.
Request a quote
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Contact us
We are committed to carrying your risk burden, giving you clarity in a complex field, and delivering peace of mind. Talk to us about what matters most to you.
1768 corner Main / Soutter RoadNew Ardbenie, Harare
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Amtec House, 9 Aerodrome Road / 1st StreetMutare
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Send us a message
For questions, claims or anything else. We reply by email.
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