Meet the FNB Insurance Products

What is FNB Insure?

FNB Insure is the insurance arm of First National Bank. While well-known for foreign exchange, loans, and banking, they have significantly expanded into the insurance space. By appointing FNB insurance brokers, they provide specialized guidance to ensure customers find cover that fits their specific financial trajectory.

What was once a limited offering of funeral and life insurance has grown into a comprehensive suite of short-term products. FNB’s philosophy is built on the idea that everyone deserves access to financial protection that enhances their future.

What Makes FNB Short-Term Insurance Unique?

The standout feature is the integration with the FNB ecosystem. You can receive free insurance cover for items purchased using FNB virtual cards, directly lowering your monthly overheads. Additionally, their rewards system allows you to earn up to 15% of your premiums back in eBucks every month, depending on your rewards level—even if you claim.

How the Offering Works

Unlike long-term life products, FNB’s car and home cover is short-term insurance. It is designed to handle the "here and now"—unforeseen expenses like road accidents, home damage, or theft.

Policies include essential benefits like roadside assistance and medical expense coverage. However, as with any legal contract, it is vital to check policy documents for specific waiting periods or exclusions before signing.

Specialized Products: Takaful and Commercial

FNB caters to a diverse market with their Takaful product line, offering Shari’ah-compliant options. Their reach extends to body corporates, commercial aviation, agricultural engineering, and specialized motor cover, ensuring that business and personal assets are equally protected.

Policy Options for Every Driver

FNB offers three primary tiers for vehicle owners, with cars generally insured at retail value:

• Third-Party Only: Essential liability cover if you cause damage to others.
• Third-Party, Fire, and Theft: Mid-tier protection for common risks.
• Comprehensive: The highest level of cover, including car hire and cross-border breakdown assistance.