1. Policy Agreement

This policy forms a binding agreement between East Africa Assurance and the policyholder, subject to the policy schedule and endorsements.

2. Coverage

Coverage applies only to risks explicitly stated in the policy document and within the policy period.

3. Premium Payment

Premiums must be paid in accordance with agreed terms. Failure to pay may result in suspension or cancellation.

4. Claims Notification

Claims must be reported promptly with all required documentation. Delayed reporting may affect settlement.

5. Exclusions

Policies exclude losses resulting from fraud, illegal acts, willful misconduct, war, or exclusions stated in the policy wording.

6. Policy Cancellation

Cancellation may occur in line with statutory requirements and written notice provisions.

7. Subrogation

Upon claim settlement, East Africa Assurance may assume legal rights against responsible third parties.

8. Governing Law

All policies are governed by the laws of Uganda and applicable insurance regulations.