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INSURANCE · DILI

Federal Insurance Timor

No reviews yet ·📍 Suites 3 & 4, Dili Square, Pateo (opposite Liceu Dili), Rua de Moçambique, Colmera ·General insurer · licensed by the Central Bank since 2016
Illustration — Federal Insurance Timor — insurance in Timor-Leste
Illustration — Private Motor — Full Cover
Illustration — Private Motor — 3rd Party Fire & Theft
Illustration — Private Motor — 3rd Party Only
Illustration — Private Motor — 3rd Party Bodily Injury
+ 9 more pictures
Licensed insurerBanco Central de Timor-Leste, Resolution No. 38/2016 (23 August 2016)
Digital forms8 proposal and claim forms, filled in on screen
Time to change your mind10 business days after you buy (cooling-off)
Pay your wayCash · Bank transfer · SOTCoin — no card needed

About Federal Insurance Timor

Federal Insurance Timor, S.A. (FIT) is a general insurer licensed by the Banco Central de Timor-Leste in August 2016 — the second general insurance licence granted in the country. It is the sister company of Federal Pacific Insurance (Fedpac), a private general insurance group working in Samoa, Tonga, the Cook Islands, Timor-Leste and Vanuatu.

FIT insures private individuals and small businesses: private and commercial motor, material damage (buildings, contents, stock and equipment), business interruption, contractor's all risks, public and employer's liability, personal accident, and marine cargo by land, sea and air. When it opened, its Dili team was fully Timorese.

Languages spoken: Tetum, Português, English, Bahasa Indonesia

12
covers
6
kinds of insurance
8
digital forms
2015
registered in Timor-Leste

Our covers

12 covers · every premium is quoted for you

Illustration — Private Motor — Full CoverMotor
COMPREHENSIVE

Private Motor — Full Cover

Price on request

Cars, utes, SUVs, motorcycles and trailers for private use: loss of or damage to your vehicle at market value, fire and theft, and liability to other people.

What is covered · what you need
  • Loss of or damage to your vehicle (market value)
  • Fire and theft
  • Liability for injury to other people
  • Liability for damage to other people's property

For a claim

Motor claim form · Copy of driving licence · Sketch of the accident · Photos of the damage · Repairer's estimate

Proposal form · Claim form
Illustration — Private Motor — 3rd Party Fire & TheftMotor
THIRD PARTY, FIRE & THEFT

Private Motor — 3rd Party Fire & Theft

Price on request

Fire and theft of your vehicle, and liability to other people.

What is covered · what you need
  • Fire and theft of your vehicle
  • Liability for injury to other people
  • Liability for damage to other people's property

For a claim

Motor claim form · Copy of driving licence · Sketch of the accident · Photos of the damage · Repairer's estimate

Proposal form · Claim form
Illustration — Private Motor — 3rd Party OnlyMotor
THIRD-PARTY LIABILITY

Private Motor — 3rd Party Only

Price on request

Liability for injury to other people and damage to their property caused by your vehicle.

What is covered · what you need
  • Liability for injury to other people
  • Liability for damage to other people's property

For a claim

Motor claim form · Copy of driving licence · Sketch of the accident · Photos of the damage · Repairer's estimate

Proposal form · Claim form
Illustration — Private Motor — 3rd Party Bodily InjuryMotor
COMPULSORY THIRD PARTY (BODILY INJURY)

Private Motor — 3rd Party Bodily Injury

Price on request

Bodily injury and death of other people caused by your vehicle — the compulsory third-party cover the law requires for every vehicle (BPA Public Instruction 07/2010).

What is covered · what you need
  • Death of a third party (legal schedule) — up to USD 2,000
  • Any one event — private vehicles (legal limit) — up to USD 6,000
  • Any one event — hire and heavy vehicles (legal limit) — up to USD 20,000

For a claim

Motor claim form · Copy of driving licence · Sketch of the accident · Photos of the damage · Repairer's estimate

Proposal form · Claim form
Illustration — Commercial Motor VehicleMotor
COMPREHENSIVE

Commercial Motor Vehicle

Price on request

Business vehicles and fleets: Full Cover, 3rd Party Fire & Theft, 3rd Party Only or 3rd Party Bodily Injury Only, with the fleet schedule, drivers and extensions on one proposal.

What is covered · what you need
  • Full Cover
  • 3rd Party Fire & Theft
  • 3rd Party Only
  • 3rd Party Bodily Injury Only

For a claim

Motor claim form · Copy of driving licence · Sketch of the accident · Photos of the damage · Repairer's estimate

Proposal form · Claim form
Illustration — Material DamageProperty
FIRE & ALLIED PERILS

Material Damage

Price on request

Buildings, contents, stock, plant and equipment at indemnity value for each situation, with the standard extensions below and optional Cyclone & Natural Disaster cover.

What is covered · what you need
  • Capital Additions — up to USD 50,000
  • Demolition and Other Costs — up to USD 20,000
  • Employees Personal Property — up to USD 2,000
  • Money: Section A — up to USD 1,000
  • Money: Section B — up to USD 1,000
  • Money: Seasonal Increase
  • Portable Electronic Equipment — up to USD 5,000
  • Protection Costs — up to USD 10,000

For a claim

Material damage claim form · Police complaint acknowledgement (theft / burglary) · Itemised list of the property lost or damaged · Invoices or receipts

Proposal form · Claim form
Illustration — Business InterruptionProperty
BUSINESS INTERRUPTION

Business Interruption

Price on request

Loss of income while your business recovers from insured damage. Ask for a quote.

Ask for the paperwork
Illustration — Contractor's All RisksConstruction
CONTRACTOR’S / ERECTION ALL RISKS

Contractor's All Risks

Price on request

Damage to the contract works and liability to others during construction. Ask for a quote.

What is covered · what you need
  • Contract works
  • Third-party liability
Ask for the paperwork
Illustration — Public LiabilityLiability
PUBLIC & PRODUCTS

Public Liability

Price on request

Your liability for injury to the public or damage to their property. Ask for a quote.

Ask for the paperwork
Illustration — Employer's LiabilityLiability
EMPLOYER’S / WORKMEN’S COMPENSATION

Employer's Liability

Price on request

Your liability for injury to your employees at work. Ask for a quote.

Ask for the paperwork
Illustration — Personal AccidentAccident
PERSONAL ACCIDENT

Personal Accident

Price on request

Death, or permanent disablement as per the policy benefits and Table of Events, for an individual or for an employer's staff.

What is covered · what you need
  • Death
  • Permanent disablement (Table of Events)

For a claim

Personal accident claim form · Medical report · Medical records release

Proposal form · Claim form
Illustration — Marine CargoMarine
CARGO & GOODS IN TRANSIT

Marine Cargo

Price on request

Goods in transit by land, sea and air. Ask for a quote.

Ask for the paperwork

Reviews

No reviews of Federal Insurance Timor yet.

Questions

Federal Insurance Timor has not joined S.O.T. yet, so quotes are not taken on this page. Ask at their office — Suites 3 & 4, Dili Square, Pateo (opposite Liceu Dili), Rua de Moçambique, Colmera.
Yes — within 10 business days of buying a new policy, if nothing has been claimed, you can cancel it and get the premium back.
Report it to Federal Insurance Timor at their office — Suites 3 & 4, Dili Square, Pateo (opposite Liceu Dili), Rua de Moçambique, Colmera. Usually needed: Motor claim form, Copy of driving licence, Sketch of the accident, Photos of the damage, Material damage claim form, Police complaint acknowledgement (theft / burglary).
Yes. Every motor vehicle in Timor-Leste needs compulsory third-party (bodily injury) insurance, and its yearly premium is capped by law: Motorcycle USD 25 · Private car USD 50 · Taxi USD 50 · Bus / minibus / mikrolet USD 50 · Light goods vehicle (up to 2,000 kg) USD 75 · Heavy goods vehicle USD 125 · Fuel tanker USD 125 · Trailer USD 75.

Policy terms

  1. 01You can cancel a new policy within 10 business days and get your premium back, as long as nothing has been claimed (Law 6/2005, Art. 50).
  2. 02Every policy wording is approved by the Central Bank of Timor-Leste before it is sold (Law 6/2005, Art. 46).
  3. 03For cover above USD 1,000 a year, or a single payment above USD 2,500, your identity document is checked first (Law 17/2011, Art. 11).
  4. 04A claim is acknowledged as soon as it arrives; if it is declined, you get the reasons in writing (Law 6/2005, Art. 51).
  5. 05Compulsory motor cover runs for at least one year and is never sold on credit; its premium is capped by law (Public Instruction 07/2010).
  6. 06Pay at our office in Dili Square or by bank transfer — the account is printed on your invoice. Quote your policy or reference number.

Enquire

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