Javascript is disabled on your browser and this site won't work properly without Javascript enabled.
FAQs :: KlaptonOnline
Buy your policy online today Get a quote
Klapton Online FAQs

KlaptonOnline

KlaptonOnline is an internet platform where people can take their insurance policies online, and find solutions for insurance needs, and comprehensive information about the insurance covers available on KlaptonOnline.

KlaptonOnline is an internet platform, where insurance covers can be taken. The insurer providing cover is Klapton Insurance Company Limited. You can find details about KlaptonOnline at the About Us Page in this website, or if you want more information about Klapton Insurance Company Ltd you can find it at www.klapton.com .

KlaptonOnline is an internet platform, and as such it doesn’t have local offices. There are local experts dealing with claims, and KlaptonOnline personnel are available via email and via the Contact Us Page in the website.

Yes, please visit our Facebook page - look for “KlaptonOnline” at Facebook.

Yes, please visit our LinkedIn page – look for “KlaptonOnline” at LinkedIn.

There are countries that restrict the taking of insurances online for a number of reasons:

  1. If the insurer is not locally authorised (such as: USA and Canada).
  2. If the insurer is not represented for premium tax or premium levies locally (such as: United Kingdom).
  3. If the insurer seems to be targeting their residents (such as: United Kingdom, Australia).

To avoid any breach of local regulatory restrictions, we are not allowing these countries’ residents to take policies with us online.

There are other countries where we are restricted by our reinsurers not to take covers from these countries.

If you are not sure about your country’s restrictions, check with your local regulator first.

KlaptonOnline is a Direct Insurance Platform. However, Klapton Insurance Company Limited works with intermediaries (such as insurance brokers and agents). If you want to use your agent or broker, please ask them to contact Klapton Insurance Company at info@klapton.com, and they will be welcome by Klapton.

Working with intermediaries is subject to different regulations, restrictions and legal requirements. Klapton will first ensure that such restrictions, regulations and requirements are fully met.

Klapton Insurance Company Ltd

Klapton Insurance Company Limited is a general insurance company (non-life), registered, licensed and regulated in the Autonomous Island of Anjouan, Union of Comoros. Full details about Klapton can be found at Klapton’s website at www.klapton.com.

Klapton was formed in January 2005, so it is active for more than 11 years.

Yes of course. Klapton financial statements are available for everyone at www.klapton.com (Corporate & Investors Page). You are welcome to open, download or print them.

Klapton Insurance Company Ltd is not rated yet, however, Klapton is in the process of rating which is expected to be completed during 2016. Once rating is obtained, Klapton will update it on its website and in the About Us Page at KlaptonOnline.

Klapton writes insurances and reinsurance for many jurisdictions. Klapton specializes in sureties (bonds and guarantees), umbrella liabilities (public liability and professional indemnity to different practitioners and tradesmen) and a variety of protection schemes (such as health cash back plans, act of terrorism protection).

Yes, please visit our Facebook page - look for “Klapton Insurance Company” at Facebook.

Yes, please visit our LinkedIn page – look for “Klapton Insurance Company” at LinkedIn.

Premium Payment

You can pay us by transferring the premium to our bank account – details of our accounts are available at the Payment Page in this website, or you can make an online payment using one of the online checkout facilities. Full details are available at the Payment Page in this website.

Your premium must be paid on or before the commencement of your cover.

Regularly, we will expect you to pay us in the same currency your policy is issued at. However, if for a specific reason you need to make payment in a different currency, contact us and we will try to provide you a solution.

What Do We Think Of

Cosmeticians & Hairdressers Insurance

In the event you cannot find your practice or treatment in the List of Treatments, Practices and Disciplines, please contact us and we will try to provide you with a solution.

First find all your treatments, practices and disciplines in the List of Treatments, Practices and Disciplines. If they all appear in section A – mark “A” in the application form, if any of them appears in section B – mark “B” in the application form, and if any of them appears in section c – mark “C” in the application form.

Your online insurance policy will cover you only when you practice in one country – the one you stated you live in. If you want to extend your policy to include additional countries, you need to inform us and we will need to ensure that you can legally practice in that other country, and we may charge you for extending your policy.

Nurses Insurance

In the event you cannot find your practice or treatment in the List of Treatments, Practices and Disciplines, please contact us and we will try to provide you with a solution.

First find all your treatments, practices and disciplines in the List of Treatments, Practices and Disciplines. If they all appear in section A – mark “A” in the application form, if any of them appears in section B – mark “B” in the application form, and if any of them appears in section c – mark “C” in the application form.

Your online insurance policy will cover you only when you practice in one country – the one you stated you live in. If you want to extend your policy to include additional countries, you need to inform us and we will need to ensure that you can legally practice in that other country, and we may charge you for extending your policy.

Beware that we will not cover you if you will practice in the USA or Canada. In these countries you must obtain local cover.

Claims

You can report a claim online. Go to the Claims Page in the website, and find a simple and clear instruction of how to report and submit your claim.

We have a network of Claims Managers in different locations around the globe. Once you report a claim, you will be advised of the Claim Manager who will handle your claim. If you did not find your local Claim Manager, contact us or our Global Claim Managers – Quest Partnership – and we will revert to you with clear instructions.

We pay claims in two ways: We transfer funds to your bank account, or we submit credit to you on your online payment method, which you used to pay us.

Deductible, or sometimes called excess, is the amount paid by the Insured in the event of a claim.

Yes you can. Please report the claim to us, and we will handle it in the same manner we handle a greater claim. However, be aware that if we handle the claim for you, we may demand that you will pay us not only the amount paid to the claimant, but also our expenses – but we will not ask for any amount over the amount of your deductible.

You have to pay the deductible to us before we compensate any third party. We may agree that you will pay the claimant the deductible directly and we will only pay the difference, but you need to agree that with us before such payment is made.

Therapist Insurance

In the event you cannot find your practice or treatment in the List of Treatments, Practices and Disciplines, please contact us and we will try to provide you with a solution.

First find all your treatments, practices and disciplines in the List of Treatments, Practices and Disciplines. If they all appear in section A – mark “A” in the application form, if any of them appears in section B – mark “B” in the application form, and if any of them appears in section c – mark “C” in the application form.

Your online insurance policy will cover you only when you practice in one country – the one you stated you live in. If you want to extend your policy to include additional countries, you need to inform us and we will need to ensure that you can legally practice in that other country, and we may charge you for extending your policy.

Beware that we will not cover you if you will practice in the USA or Canada. In these countries you must obtain local cover.

Teachers & Educators Insurance

In the event you cannot find your practice or treatment in the List of Treatments, Practices and Disciplines, please contact us and we will try to provide you with a solution.

First find all your treatments, practices and disciplines in the List of Treatments, Practices and Disciplines. If they all appear in section A – mark “A” in the application form, if any of them appears in section B – mark “B” in the application form, and if any of them appears in section c – mark “C” in the application form.

Your online insurance policy will cover you only when you practice in one country – the one you stated you live in. If you want to extend your policy to include additional countries, you need to inform us and we will need to ensure that you can legally practice in that other country, and we may charge you for extending your policy.

Beware that we will not cover you if you will practice in the USA or Canada. In these countries you must obtain local cover.

Personal Trainers & Fitness Instructors Insurance

In the event you cannot find your practice or treatment in the List of Treatments, Practices and Disciplines, please contact us and we will try to provide you with a solution.

First find all your treatments, practices and disciplines in the List of Treatments, Practices and Disciplines. If they all appear in section A – mark “A” in the application form, if any of them appears in section B – mark “B” in the application form, and if any of them appears in section c – mark “C” in the application form.

Your online insurance policy will cover you only when you practice in one country – the one you stated you live in. If you want to extend your policy to include additional countries, you need to inform us and we will need to ensure that you can legally practice in that other country, and we may charge you for extending your policy.

Beware that we will not cover you if you will practice in the USA or Canada. In these countries you must obtain local cover.

Sureties, Bonds & Guarantees

Sureties are covers that we need to consider individually, and we do that offline. You can fill out the application form for surety, and email it to us. We will consider it and will contact you confirming receipt of your application, and process it as fast as we can.

Health Cash Back Plan

The online Health Cash Back Plan available in KlaptonOnline is a personal plan - so you can include yourself, your spouse and your children. If you want a Health Cash Back Plan for your employees - please write us and we will consider it.

Business Insurance (SME)

Yes, no business is too small for us. Your business is important to you, so it is important to us as well, and we will provide you with a quote, and you will be able to purchase the policy for your business from us.

SME stands for “Small to Medium-Sized Enterprises”. In some places SME has more accurate definition (number of employees, maximum turnover, etc.), we refer to SME as business policies that pay up to US$250,000 per year.

You need to check first if the Employer’s Liability cover is subject to local regulation. In some countries you are obliged by law to take this cover with local insurers only.

If your country does not restrict you from taking this cover from other insurers, than you can apply for this cover with us.