Frequently Asked Questions
If you have any questions, feel free to contact us or schedule a free consultation with our team of experts.
What types of insurance does NM Risk Advisory Services offer?
We provide motor, home, health, travel, business, and specialised insurance – all underwritten exclusively by Alliance Insurance and Alliance Health.
Why should I choose NM Risk Advisory Services over other agencies?
As an exclusive partner of Alliance, we offer expert advice, competitive premiums, and personalised service with direct underwriting support.
How do I get an insurance quote?
Visit our website, WhatsApp us, call our office, or email for a free, no-obligation quote tailored to your needs.
Can I customise my insurance policy?
Yes! We adjust coverage limits, add-ons (e.g., roadside assistance), and excess amounts to suit your budget and needs.
Does Alliance Health cover pre-existing medical conditions?
Coverage varies. Declare all conditions when applying – we’ll confirm terms with Alliance Health to ensure transparency.
What’s the difference between comprehensive and third-party motor insurance?
Comprehensive covers damage to your vehicle and third parties, while third-party only covers damage/loss you cause to others.
How do I make a claim?
Contact us immediately via phone, WhatsApp, or email. We’ll guide you through Alliance’s step-by-step claims process.
What documents do I need for a motor claim?
Police report (if applicable), driver’s licence, photos of damage, and your policy number. We’ll handle the rest.
How long does a claim take to process?
Simple claims (e.g., minor car accidents) may take 7–14 days; complex cases (e.g., property fires) require longer.
Can I pay my premium in instalments?
Yes! Alliance offers monthly, quarterly, or annual payment plans. Ask us for flexible options.
What happens if I miss a premium payment?
Your cover may lapse. We’ll send reminders, but contact us immediately to avoid cancellation.
Will my policy auto-renew?
Yes, unless you inform us otherwise. We’ll send renewal terms 14 days prior for your review.
Which hospitals/clinics accept Alliance Health in Zimbabwe?
Alliance Health works with major hospitals (e.g., West End, Avenues). Request our full network list.
Are dental and optical treatments covered?
Depends on your plan. We’ll clarify your policy’s inclusions and exclusions upfront.
How do I complain or give feedback about your service?
Email or call us directly. We resolve issues within 48 hours and value your input to improve.