Who we are
ICE Insurance has been transacting insurance in Africa since 1996 and our board of directors started doing insurance across the continent as far back as 1950. No company has a better understanding of Insurance market conditions, challenges and requirements than the management team in ICE.
We aim to make your purchase of insurance as smooth as possible and we carry that service through to every aspect of your insurance experience including the settlement of claims. We take service seriously and we urge you to please assist us in continuing that by reporting any poor service to firstname.lastname@example.org and we will deal with it immediately.
Doing business in challenging locations requires unique management skills. We are proud of the fact that we micro manage our operations which ensures that the end buyers of our insurance products receive exceptional service from the first enquiry to the settlement of claims.
ICE is committed to its relationship with Risk Managers, Authorised Brokers and their principles, international brokers and their principles, re-insurers and global program insurers and we look forward to being able to provide this service to you.
1996 - Baronscourt Holdings was formed (renamed ICE Insurance Holdings in 2015).
2001 - Baronscourt Holdings purchases 100% of the equity in Companhia Geral de Seguros de Moçambique. (A Mozambique composite insurer - at the time Mozambique was the poorest country in the world)
2003 - Group renamed Global Alliance Holdings.
2004 - Global Alliance Mozambique awarded an "A" rating by Global Credit Rating Co.
2005 - GA Angola Seguros awarded a composite insurance license.
2005 - Global Alliance Ghana awarded a property and casualty license.
2006 - Global Alliance Ghana awarded a BBB+ credit rating by Global Credit Rating Co. - GA Angola Seguros upgraded to "A" rating by Global Credit Rating Co.
2009 - Global Alliance Ghana sold to ACTIVA Group.
2011 - Global Alliance Mozambique sold to BARCLAYS/ABSA Insurance (www.ga.co.mz)
2013 - GA Angola Seguros sold to COLINA Group (www.ga.co.ao).
2015 - Holding Company renamed International Commercial and Engineering (ICE) Insurance Holdings.
2015 - ICE Seguros awarded a property and casualty insurance license in Mozambique.
Managing international risks is a key feature of our insurance solutions. Our Multinational and Global Accounts department has been structured specifically to provide local and international corporate clients with local insurance coverage.
Our multinational and global insurance programs cover a broad spectrum of risks ranging from liability, property, business interruption, marine cargo to engineering and across every industry.
Clients requesting coverage of their worldwide exposure to risk are generally provided with one of the following two solutions: multinational insurers will either deliver standalone local policies with the relevant local coverage limits or will opt for the more traditional method of using a ‘Master Policy’ for the parent company with locally admitted policies for the parent’s foreign subsidiaries or affiliates. The former solution offers harmonised and certain cover across the client’s worldwide risk portfolio.
We meet all clients’ needs and expectations by delivering a tailored solution, which is certain to match local legislative requirements and risks. Clients are assured of portfolio transparency, local regulatory and legislative compliance, and service excellence from multilingual professionals.
Speed, efficiency, excellence, experience and flexibility are central to our approach, in line with our company’s servicing philosophy “Doing ordinary things extraordinarily well”.
Who we are
A London-based team, supported by our Johannesburg office and the in country Mozambique office. The team is led by Kay Wilkinson who is one of the most experienced providers of multi national covers across Africa. Kay and her team have an in-depth knowledge of each African insurance market, excellent service skills, with an outstanding record of maintaining long-term client and partner relationships.
Acceptance of Terms
the iceafrica.com website ("Website"). Read these terms carefully
before You ("You") accept these Terms by: (a) placing an order
through iceafrica.com, or (b) otherwise using the Website. If You do not agree
with all of these Terms, do not use this Website.
International Commercial & Engineering (ICE) Insurance Services Ltd. trading
as ICE Insurance is the owner and operator of iceafrica.com. The Terms are
entered into by and between ICE Insurance and You. Any reference herein to ICE
Insurance shall be deemed to refer to ICE Insurance and/or iceafrica.com, as
applicable under the circumstances. The products and seminars offered for sale
or booking and other on-line resources accessible via iceafrica.com, are
provided to You, subject to the Terms. Unless explicitly stated otherwise, the
Terms will govern Your use of any new features that augment or enhance the
Intellectual Property Rights
Copyright © 2016 - ICE Insurance. All rights not expressly granted are
reserved. To obtain permissions for the commercial use of any content on this
site contact Robert Lewis or e-mail email@example.com.
Users may download, view and print content from this site for private and
non-commercial purposes only.
All moral rights of ICE Insurance and its employees/agents are reserved.
ICE Insurance cannot screen or edit all the content available from the
iceafrica.com site and does not accept any liability for illegal, defamatory or
obscene content. Users are encouraged to inform ICE Insurance of any content
that may be offensive or illegal.
All the content, trademarks and data on this web site, including but not
limited to, software, databases, text, graphics, icons, hyperlinks, private
information, designs and agreements, are the property of or licensed to ICE
Insurance and as such are protected from infringement by local and
international legislation and treaties.
You agree to use iceafrica.com only for lawful purposes. You are prohibited
from posting on or transmitting through iceafrica.com any Content that violates
or infringes anyone's intellectual property rights (including copyrights,
trademarks, trade secrets, patents, publicity rights or (to the extent
protectable) confidential ideas) or that is obscene, obscene as to minors,
child pornography, defamatory, racist, lewd, lascivious, filthy, excessively
violent, harassing, or otherwise deemed by ICE Insurance to be harmful or
objectionable, or that intentionally or unintentionally violates any applicable
local, national or international law, or any regulations having the force of
Comments, Communications and Other Content
All comments, communications, ideas, and other content disclosed, submitted or
offered to ICE Insurance on or by this Website or otherwise disclosed,
submitted or offered in connection with Your use of this Website (collectively,
the "Comments") shall be and remain ICE Insurance property. Such
disclosure, submission or offer of any Comments shall constitute an assignment
to ICE Insurance of all worldwide rights, titles and interests in all
copyrights and other intellectual properties in the Comments. Thus, ICE
Insurance will own exclusively all such rights, titles and interests and shall
not be limited in any way in its use, commercial or otherwise, of any Comments.
ICE Insurance is and shall be under no obligation (1) to maintain any Comments
in confidence; (2) to pay to user any compensation for any Comments; or (3) to
respond to any user Comments. You agree that no Comments submitted by You to
the Website will violate any right of any third party, including copyright,
trademark, privacy or other personal or proprietary right(s). You further agree
that no Comments submitted by You to the Website will be or contain libellous
or otherwise unlawful, abusive or obscene material. You are and shall remain
solely responsible for the content of any Comments you make.
The Website may provide, or third parties may provide, links to other Internet
sites or resources. Because ICE Insurance has no control over such sites and
resources, you acknowledge and agree that ICE Insurance is not responsible for
the availability of such external sites or resources, and does not endorse and
is not responsible or liable for any content, advertising, products, or other
materials on or available from such sites or resources. ICE Insurance will not
be responsible or liable, directly or indirectly, for any damage or loss caused
or alleged to be caused by or in connection with use of or reliance on any such
content, goods or services available on or through any such site or resource.
This Website may be linked to other websites that are not under the control of
and are not maintained by ICE Insurance. ICE Insurance is not responsible for
the content of those sites. ICE Insurance is providing these links to You only
as a convenience, and the inclusion of any link to such sites does not imply
endorsement by ICE Insurance of those sites.
If you use this site, you are responsible for maintaining the confidentiality
of your account and password and for restricting access to your computer, and
you agree to accept responsibility for all activities that occur under your
account or password. ICE Insurance does not sell products for children, but it
sells them to adults, who can purchase with a credit card. If you are under 18,
you may use ICE Insurance only with involvement of a parent or guardian. ICE
Insurance and its affiliates reserve the right to refuse service, terminate
accounts, remove or edit content, or cancel orders in their sole discretion.
ICE Insurance does not store any credit card information of any kind.
You agree to indemnify and hold ICE Insurance, and its subsidiaries,
affiliates, officers, agents, co-branders, or other partners, and employees,
harmless from any claim or demand, including reasonable attorneys' fees, made
by any third party due to or arising out of the use of the Website.
ICE Insurance may electronically collect, store and use the following customer
Name and Surname
This information is used for:
Electronic communication (only with consent)
Statistical, non-personal browsing habits
ICE Insurance will not disclose any personal information with third parties.
You hereby agree to accept your tax invoices and other tax documents in
electronic form, whether it be emailed or be available for download on the
The ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT of 2002 can be downloaded
from here: http://www.info.gov.za/gazette/acts/2002/a25-02.pdf
ICE Insurance will not do any returns through the website, all returns may only
be done through consulting with one of our employees. All enquiries can be made
Due to the nature of the products being sold ICE Insurance will
not accept any returns on a product that have passed the initial date of
insurance. Any orders placed by fault need to be communicated in writing to ICE
Insurance within 3 days. All other
faults will be the full responsibility of the purchaser.
All Third Party Insurance Purchases are subject to the following terms and
Payment is due as soon as booking is made.
All prices quoted for the Policies are including VAT.
Cancellations or postponements received after initial date of insurance will
be charged in full.
DisclaimerYour use of this website is at your sole risk. This website is provided by ICE
Insurance on an "as is" and "as available" basis. Unless
otherwise explicitly stated, the content on this website is provided "as
is", "with all faults", and is for commercial use only. ICE
Insurance disclaims all express or implied conditions, representations, and
warranties of any kind, including any implied warranty or condition of
merchantability, fitness for a particular purpose, or non-infringement. ICE
Insurance makes no representations, warranties, conditions or guaranties as to
the quality, suitability, truth, accuracy or completeness of any of the content
contained on ICE Insurance web sites. ICE Insurance may make available on ICE
Insurance web sites content available for downloading that has been submitted
by third-party users of ICE Insurance web sites. Any questions regarding the
content should be directed to the providers of such content. In no event will
ICE Insurance or its suppliers be liable for the accuracy or completeness of
the content or information from ICE Insurance web sites.
ICE Insurance makes no warranty or condition that: (i)
the website will meet your requirements, (ii) the website will be
uninterrupted, timely, secure, or error- free, (iii) the results that may be
obtained from the use of the website will be accurate or reliable, (iv) the
quality of any products, services, information, or other material purchased or
obtained by you through the website will meet your expectations, or that (v)
any errors in the website software will be corrected.
Any material downloaded or otherwise obtained through the use of the website is
done at your own discretion and risk and you are solely responsible for any
damage to your computer system or loss of data that results from the download
of any such material, including any damages resulting from computer viruses.
No advice or information, whether oral or written, obtained by you from ICE
Insurance or through or from the website will create any warranty or condition
not expressly stated in the terms. ICE Insurance employees are not authorized
to vary these terms.
>Before using this site (“the Site”), please read the
and that you agree thereto. Should you (hereinafter referred to as “the user”)
not agree to the terms contained herein do not proceed to access or use this
have the ascribed definitions:
“affiliates” means all legal entities that ICE Insurance
controls directly or indirectly, that controls ICE Insurance directly or
indirectly or that is under common control with ICE Insurance;
“Content” means text, written work, software, database,
format, graphic, image, trademark, logo, invention, photo, video clip, podcast,
listing or any other information or material which appears on or forms part of
“Intellectual Property Rights” means (i)
copyright, patents, database rights and rights in trademarks, designs, know-how
and registered or non-registered confidential information; (ii) applications
for registration and the right to apply for registration for any of these rights;
and (iii) all other intellectual property rights and equivalent or similar
forms of protection existing anywhere in the world.
LOCAL ACCESS RESTRICTIONS
The Site and all the Content and functionality contained
within it is not directed to or intended for use by any person resident or
located in any country where the distribution of such Content or functionality
is contrary to the laws, rules or regulations of such country. The same applies
to any person resident or located in any country where such distribution is
prohibited without obtaining the necessary licenses or authorisations and such
licenses or authorisations have not been obtained. If any such local access
restriction applies to the user, the user is not authorised to access the Site
or use any of the Content on it.
ICE does not intend to provide legal or tax advice through
any the Site.
ICE and its affiliates do not warrant that the Site or any
other websites that may be linked to through the Site, will be uninterrupted,
error free, free of viruses, defects or harmful components, compatible with the
user’s computer equipment or fit for any purpose.
>Any and all information contained on, or which may be
transmitted through, the Site is not to be regarded as a recommendation and
does not purport to give any advice whatsoever and should not be construed as
ICE, together with anybody related thereto, makes no
representations and/or warranties, express or implied, in respect of the
services provided on the Site. To the fullest extent permissible by applicable
law, ICE hereby disclaims all warranties of any kind, either express or
implied, including any warranties concerning the availability, accuracy,
usefulness, merchantability or fitness for a particular purpose, with respect
to the content, information, data, services, products provided through or in
connection with the site, uninterrupted access, the site is free of viruses or
In the event that the user subscribes to any mailing
services or communicates with ICE through the Site or by way of email the user
may have to provide their email address. By providing their email address the
user consents to ICE retaining the user’s contact details and expressly
consents to receiving communications from ICE which shall include, but not be
limited to, requesting clarifications or additional comments; sending ICE
publications; sending information about ICE events; asking for the
users participation in surveys or polls; sending information
about services and solutions or other marketing information of ICE.
In addition the user agrees that all agreements, notices, disclosures and
other communications sent by ICE satisfies any legal requirements, including but
not limited to the requirement that such communications should be “in writing”.
ICE takes appropriate technical and organisational measures
against unauthorised or unlawful processing of personal data and against
accidental loss or destruction of, or damage to, personal data. However,
although ICE takes appropriate measures to protect the security of the
information communicated through the site, the Internet is an open network that
is not secure and there is an inherent risk that any transmission via the
Internet may be intercepted, modified, misdirected, or not be delivered to the
intended recipient. In addition, there is also an inherent risk that
information stored on a computer connected to the Internet may be accessed
As such ICE cannot and does not guarantee that information
displayed on the Site has not been modified by others without authorisation or
that information communicated by the user to ICE will be received or that it
will not be altered before or after its transmission.
ICE and its affiliates shall not responsible for security
breaches occurring on the site which may result due to the lack of adequate
virus protection software or spyware that the user may inadvertently have
installed on his / her device.
Any person that delivers or attempts to deliver any
damaging code to this Site or attempts to gain unauthorized access to any page
on this website shall be prosecuted and civil damages shall be claimed in the
event that ICE suffers any damage or loss.
>The user agrees and warrants that his/her log-in name and
be used for personal use only; and
not be disclosed to any third party.
The user hereby grants and consents to ICE taking all
reasonable steps to ensure the integrity and security of the Site and
USE OF INFORMATION
ICE expressly reserves the right, in its sole and absolute
discretion, to remove, alter, modify, supplement and/or restrict access to the
services, content, information, software, or file(s) appearing on or
transmitted through this Site.
The user hereby ratifies, guarantees and agrees to be
personally liable for any and all obligations entered into or assumed by others
who use the information, content or services through his/her user account.
ICE and its affiliates shall not be liable, and the user
hereby waives any claim, for the remission and/or refund of any payment due to
the site not being operational for any period of time.
UPDATING OF THESE TERMS AND CONDITIONS
ICE reserves its right to change, modify, add or remove
It is the user’s obligation to periodically check these
this Site following the posting of changes or updates will be considered notice
including such changes or updates.
The user agrees to indemnify defend and hold harmless ICE,
its directors, officers, employees, agents, licensors, attorneys, independent
contractors, providers, subsidiaries and affiliates (“the Indemnitees”) from
and against any and all claim, loss, damages (including but not limited to
direct, incidental, special, consequential, indirect or punitive) expense, or
demand or liability, including attorneys' fees and costs, incurred by the
Indemnitees arising out of (i) any claim by a third
party relating to the posting, distribution, modification or alteration by the
user of any content, or (ii) the user’s use of the Site in breach of these
The user agrees to cooperate with the Indemnitees as
reasonably required in the defense of any such
claims. The Indemnitees reserve the right, at their own expense, to assume the
exclusive defense and control of any matter otherwise
subject to indemnification by the user, and the user shall not in any event
settle any such claim or matter without the written consent of ICE.
LIMITATIONS OF LIABILITY
ICE, its directors, officers, employees, agents, licensors,
attorneys, independent contractors, providers, subsidiaries and affiliates
assume no responsibility, and shall not be liable for, any damages or loss
(especially loss of data, alteration of data, or downtime) to, or viruses that
may infect the user’s computer, telecommunication equipment, software or other
property caused by or arising from the user’s access to, use of, or browsing this
Site or the user’s downloading of any materials, from this Site.
If the user is accessing this Site from outside the United
Kingdom the user is responsible for ensuring that his/her use of the Site is in
accordance with the laws of the country of his/her residence or the
jurisdiction from which he/she is accessing the Site. ICE, its directors,
officers, employees, agents, licensors, attorneys, independent contractors,
providers, subsidiaries and affiliates disclaims and excludes all liability
howsoever arising and of whatsoever nature to the user in the event that the
user’s use of the Site is contrary to the laws of the country of the user’s
residence or from which the user is accessing the Site.
In no event including, but not limited to, negligence, breach
of contract or otherwise and regardless of whether the damage was foreseeable
or not will ICE, its directors, officers, employees, agents, licensors,
attorneys, independent contractors, providers, subsidiaries and affiliates be
liable for any direct, indirect, special, punitive, incidental or consequential
damages (including, without limitation, those resulting from lost profits, lost
data or business interruption), liability or costs arising out of the use,
inability to use, or the results of use of this Site, any error or inaccuracies
in any information or material within or relating to the Site, any
representations or statements made on the Site, any reliance upon or use of any
information or material on the Site, any websites linked to this Site, or the
materials, information or services contained at any or all such websites.
Other than personally identifiable information, which is
concepts, know-how, techniques, questions, comments or any other communication
the user transmits or posts to this Site in any manner ("User
Communications") is and will be considered non-confidential and
ICE and its affiliates may use any or all User
Communications for any purpose whatsoever, including, without limitation,
reproduction, transmission, disclosure, publication, broadcast, development,
manufacturing and/or marketing in any manner whatsoever for any or all
commercial or non-commercial purposes.
ICE and its affiliates shall have no obligation to use,
return, review, or respond to any User Communications. ICE and its affiliates
will have no liability related to the content of any such User Communications.
ICE retains the right to remove any or all User Communications that includes
any material it deems inappropriate or unacceptable.
USER SUBMISSIONS AND INAPPROPRIATE MATERIAL
The user is prohibited from posting or transmitting any
unlawful, threatening, defamatory, libellous, obscene, pornographic or profane
material or any material that could constitute or encourage conduct that would
be considered a criminal offense or violate any law. In addition to any
remedies that ICE and its affiliates may have at law, and without prejudice to
same, if ICE reasonably determines that the user has violated or is likely to
violate the foregoing prohibitions, ICE may take any action it reasonably deems
necessary to cure or prevent the violation, including without limitation, the
immediate removal from this Site of the related materials.
ICE reserves the right to deny the user access to the Site
at any time, in particular if the user breaches the above provision.
INTELLECTUAL PROPERTY RIGHTS
Intellectual Property Rights in and to, inter alia, the
Contents contained on the Site are the sole and exclusive property of ICE or
any other third party as directed by ICE. The user does not acquire, by virtue
of his/her use of the Site, any rights, title or interest in any of the
Intellectual Property Rights in the Content or the Site.
It is recorded that the trademarks, trade names, logos and
the like used on this Site are registered or unregistered trademarks, trade
names or logos of ICE, unless specifically indicated as belonging to a third
party. The user acknowledges that all right, title and interest to the
trademarks, trade names, logos and the like will vest in ICE and nothing
contained on this Site grants or should be construed as granting, by
implication, estoppel, or otherwise, any license or other right to use any
trademarks, trade names, logos and the like displayed on this Site without
ICE’s prior written approval.
The user is granted permission to display, copy, distribute
and download the Content on the Site for personal, non-commercial use only,
provided the user: (i) keeps intact all copyright and
other proprietary notices; (ii) makes no modifications to the Content on the
Site; (iii) does not use the Content on the Site in a manner that suggests an
association with any products, services, or brands; and (iv) does not download
the Content to a database that can be used to avoid future downloads from the
Site. The user must not modify, copy, transmit, distribute, display, reproduce,
publish, perform, license, frame, create derivative works from, transfer or use
in any other way for commercial or public purposes in whole or in part any
Content obtained from the Site without the prior written permission of the
owner of the relevant Intellectual Property Rights (whether that be ICE or
another third party).
The copyright in some Content available on the Site may
belong to third parties (“Third Party Content”). It is the user’s
responsibility to check copyright notices on or in respect of individual Third
granted a license or any other right including without limitation under
Copyright, Trademark, Patent or other Intellectual Property Rights in or to the
JURISDICTION AND GOVERNING LAWS
with the laws of England and Wales.
ICE and the user consents irrevocably to the exclusive
jurisdiction of the competent courts of England and Wales in the event of any
such terms and conditions and continues indefinitely until terminated by ICE.
The user may not assign, transfer or otherwise deal in any
often as necessary. They are cumulative and not exclusive of rights or remedies
provided by law, rules and regulations. They may be waived only in writing and
specifically. Delay in the exercise or non-exercise of any such right is not a
waiver of that right. An express or implied waiver of any of the provisions or
of any breach of or default in performing any of the provisions of these Terms
of Use will not constitute a continuing waiver and that waiver will not prevent
the waiving party from subsequently enforcing any of the provisions of these
Any notice or other communication given under or in
document in another language must be accompanied by a certified English
translation. In such a situation the English translation will prevail, unless
the document is a statutory or other official document.
unenforceable for any reason, that provision is fully severable from the
nevertheless valid and enforceable as if those of the provisions held invalid
or unenforceable were not part of this Term of Use.
becomes illegal, invalid or unenforceable in any country, that will not affect
the legality, validity or enforceability in that country of any other provision
or in other jurisdictions of that or any other provisions of these Terms of
ICE and its affiliates, and the user with regard to the use of the Content and