Terms and Conditions

1. Introduction

These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://www.swiftinsurance.co.zm/ and any related subdomains (the “Website”), operated by Swift General Insurance Company Limited, trading as “Swift Insurance” (“Swift”, “we”, “us”, or “our”).

By accessing or using the Website, submitting an enquiry, or requesting a quote through the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.

2. About Swift Insurance

Swift General Insurance Company Limited is a licensed insurance underwriter registered and operating in Zambia. Our registered office is:

Swift underwrites insurance policies directly and also works with independent brokers and corporate partners who may introduce clients to us. Where a policy is arranged through a broker or intermediary, that broker’s own terms of engagement will also apply to you, in addition to these Terms and to the terms of the applicable insurance policy.

3. Use of the Website

The Website is provided for general information about Swift’s products and services, and to allow visitors to request quotes or contact us. You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party.

• You must not attempt to gain unauthorised access to the Website, its servers, or any systems connected to it.
• You must not use the Website to transmit any virus, malware, or other harmful code.
• You must not scrape, harvest, or otherwise systematically extract data from the Website without our prior written consent.
• You must provide accurate, current, and complete information when submitting any form on the Website, including the “Get a Quote” form.

4. Quotes, Applications, and Insurance Cover

Any quote, estimate, or indicative figure provided through the Website — whether generated automatically or provided in response to your enquiry — is preliminary and non-binding. It does not constitute an offer of insurance cover, a contract of insurance, or a guarantee of acceptance.

Insurance cover only comes into force once: (a) Swift (or the relevant underwriting partner) has assessed and accepted your application; (b) the applicable premium has been received in accordance with the policy terms; and (c) a formal policy document or certificate of insurance has been issued to you.

Statements made on the Website, including statistics such as approval rates or turnaround times, are general indicators based on historical data and do not guarantee any particular outcome for your individual application.

5. No Financial or Legal Advice

Content on the Website is provided for general informational purposes only and does not constitute financial, legal, tax, or insurance advice tailored to your personal circumstances. You should obtain independent advice, or speak directly with a Swift representative or your broker, before making any decision about insurance cover.

6. Third-Party Brokers, Partners, and Links

The Website may reference or link to independent brokers, partners, or third-party websites. Swift does not control and is not responsible for the content, accuracy, availability, or privacy practices of any third-party website. Inclusion of a link does not imply endorsement.

7. Intellectual Property

All content on the Website — including text, graphics, logos, images, and the Swift Insurance brand — is owned by or licensed to Swift General Insurance Company Limited and is protected by applicable intellectual property laws. You may view and print pages of the Website for your own personal, non-commercial use, but may not reproduce, distribute, or create derivative works from any part of the Website without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Swift shall not be liable for any indirect, incidental, special, or consequential loss or damage arising out of, or in connection with, your use of (or inability to use) the Website, including loss of data, revenue, or business opportunity.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot lawfully be excluded or limited under the laws of Zambia.

9. Indemnity

You agree to indemnify and hold Swift, its directors, employees, and agents harmless from any claim, loss, or expense (including reasonable legal fees) arising from your misuse of the Website or breach of these Terms.

10. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Zambia. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Zambia.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. The updated Terms will be posted on this page with a revised “Last updated” date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

12. Contact Us

If you have any questions about these Terms, please contact us: