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Terms of Use

Terms of Use for SONARWA General

Introduction

Welcome to SONARWA General. These Terms of Use govern your use of our website, mobile applications, and services. By accessing or using our services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

Purpose

These Terms of Use are intended to ensure that you understand your rights and obligations when using our services and to provide guidelines for acceptable use.

Applicability

These Terms of Use apply to all users of SONARWA General’s services, including visitors to our website and users of our mobile applications.

Services Provided

SONARWA General provides a variety of insurance products and services, including but not limited to motor insurance, fire insurance, marine insurance, engineering insurance, crop insurance, and liability insurance. Detailed descriptions of our products and services are available on our website.

User Responsibilities

When using our services, you agree to :
Provide Accurate Information : You must provide accurate and complete information when creating an account or purchasing a policy.
Maintain Confidentiality : You are responsible for maintaining the confidentiality of your account information, including your password.
Use Our Services Lawfully : You must use our services in compliance with all applicable laws and regulations.
Respect Intellectual Property : You may not use our content, trademarks, or logos without our prior written consent.

Prohibited Activities

You agree not to :
Engage in Fraudulent Activity : You may not use our services to engage in any fraudulent activities or submit false claims.
Interfere with Our Services : You may not interfere with or disrupt the operation of our services or servers.
Upload Harmful Content : You may not upload or transmit any viruses, malware, or other harmful content.
Harvest Data : You may not collect or harvest personal data of other users without their consent.

Intellectual Property

All content on our website and mobile applications, including text, graphics, logos, and images, is the property of SONARWA General or its licensors and is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute any content without our prior written permission.

Disclaimer of Warranties

Our services are provided “as is” and “as available” without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, SONARWA General shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, for using our services.

Indemnification

You agree to indemnify, defend, and hold harmless SONARWA General, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your use of our services, your violation of these Terms of Use, or your violation of any rights of another person or entity.

Changes to Terms of Use

We may update these Terms of Use from time to time. Any changes will be posted on this page, and the “Last Updated” date will be revised. We encourage you to review these Terms of Use periodically to stay informed about our terms.

Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users of our services, us, or third parties, or for any other reason.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Rwanda, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms of Use shall be subject to the exclusive jurisdiction of the courts located in Rwanda.

Contact Us

If you have any questions or concerns about our Terms of Use, please contact us at SONARWA General
Email: infos@sonarwa.co.rw
Phone : +250788383692
Address : RSSB TOWER II , KIGALI – RWANDA

Get in Touch With Us

About Sonarwa

In 1975, SONARWA General Insurance was born, fueled by a vision to pioneer the insurance industry in Rwanda. Under the guidance of the UK’s J.H. Minet, we embarked on our journey with just 50 million Rwf in capital. Our early days were marked by ambition and determination, setting the stage for a legacy of resilience and growth. Over the years, our story has been one of strategic expansion and relentless dedication. From our initial steps, we launched 19 branches across Rwanda, bringing our services closer to the people and enhancing accessibility. Our capital grew to billions in Rwandan francs, reflecting our robust financial foundation. The acquisition by the Rwanda Social Security Board solidified our position as a trusted and stable provider in the market. We continuously evolve, rebrand, and redefine insurance to meet the changing needs of our clients. Our commitment is unwavering: to provide exceptional value, security, and peace of mind. As the leading capitalized insurance provider in Rwanda, regulated by the National Bank of Rwanda, we stand ready to help you confidently navigate life’s uncertainties. Our legacy is built on reliability, and our future is driven by innovation. At SONARWA General Insurance, we are not just a company; we are your steadfast partner, dedicated to safeguarding your future.
  • 1975: Founded and Pionnerd the Insurance Sector in Rwanda under the management of J.H. Minet (UK)
  • 1980: Capital increase from 50M Rwf to 400M Rwf
  • 1983: Capital increase to 500M Rwf; Expansion to Butare and Gisenyi
  • 2011: Structural change, splitting into SONARWA General Insurance (short-term) and SONARWA Life Insurance (long-term)
  • 2017: RSSB acquired an 84.67% majority share
  • 2024: Capital growth of billions Rwf; Established 19 branches across Rwanda and have multiple investments in Real Estate Mainly.
  • Leadership In The Market: Sonarwa Has Consistently Held A Strong Position In Rwanda’s Insurance Industry, Characterized By Substantial Growth In Gross Premiums And A Robust Solvency Margin.
  • Innovative Solutions: We Were Pioneers In Introducing Tailored Insurance Solutions Such As Crop And Engineering Insurance, Catering Specifically To The Unique Needs Of Rwanda’s Agricultural And Construction Sectors.
  • Community Impact: Beyond Business, We Have Engaged In Numerous Community Outreach And Development Programs, Affirming Our Commitment To Responsible Corporate Citizenship.
  • Economic Contribution: Through Our Operations, We Have Significantly Contributed To The Economic Growth Of Rwanda, Enhancing The Financial Stability And Productivity Of Both Individuals And Businesses.
  • Client Success Stories: From Small Businesses To Large Corporations, Our Insurance Products Have Played A Pivotal Role In Enabling Our Clients To Manage Risks Effectively And Thrive Amidst Challenges.
  • Awards And Recognition: Over The Years, Sonarwa Has Been Recognized By Various Industry Bodies For Its Excellence In Service Delivery, Innovation, And Contribution To The Insurance Sector.

What Is Our Vision?

“To solidify our leadership position in Rwanda while expanding our influence throughout the region as a premier provider of top-quality insurance products and financial services.”
  • Leadership in Rwanda: Why do we lead? We believe in setting standards, offering innovative solutions, and consistently addressing the evolving needs of our customers to stay at the forefront of the insurance industry.
  • Influence Beyond Borders: How do we impact the region? By extending our reach, sharing expertise, and fostering partnerships across borders, we aim to bring unparalleled value to a wider audience.
  • Commitment to Quality: What does quality mean to us? It's about excelling in every facet of our operation—from customer service and product innovation to efficient claim management—ensuring an exceptional experience for every client.
  • Customer Focus: How do we prioritize customers? By keeping the customer at the center of all our actions, constantly adapting our offerings to meet their specific needs and expectations.
  • Innovative Practices: How do we stay ahead? Innovation is key in our approach. We utilize the latest technologies and innovative methods to enhance our services and customer engagement.
  • Sustainable Success: What is our approach to sustainability? We aim for growth that respects both our community and environment, ensuring that our business success also contributes positively to society.

What Is Our Mission?

Our mission at SONARWA is to provide clients with affordable and reliable insurance and financial solutions, while enhancing economic growth in Rwanda and the region through productive investment activities.
Affordable and Reliable Solutions: How do we ensure affordability and reliability? By designing insurance products that are cost-effective and meet the diverse needs of our customers, ensuring that they receive value for money and trust in the reliability of our services. Enhancing Economic Growth: Through strategic investments in the local economy and by supporting sectors that have a significant impact on regional development. This not only helps in building a robust economic environment but also secures the future of our clients and their communities. Productive Investments: What investments do we make? We focus on investments that yield productive outcomes, such as infrastructure projects, small and medium-sized enterprise support, and other initiatives that lead to job creation and economic stability.
  • Client-Centric Service: How do we stay client-centric? By maintaining a sharp focus on customer satisfaction, we tailor our services to align with client expectations and needs, ensuring that they feel valued and understood.
  • Innovation in Financial Solutions: How do we innovate? We commit to leveraging the latest technologies and financial practices to enhance our product offerings and service delivery, staying ahead in a competitive market.
  • Community Engagement: How do we engage with the community? We actively participate in community development projects and initiatives that enhance the welfare of the communities we serve, reinforcing our commitment to social responsibility.
  • For Our Customers: Our mission ensures that you have access to insurance solutions that not only protect your assets but also contribute to your financial well-being and peace of mind.
  • For Our Partners: It offers a solid foundation for partnership based on shared values of growth, reliability, and community support.

Core values

Our core values are the guiding principles that shape every aspect of our operations and define our culture. They represent our unwavering commitment to excellence, integrity, and responsibility. Here’s a closer look at the values that drive us:
  • Specialization : We pride ourselves on our deep industry expertise, providing specialized insurance solutions tailored to meet the unique needs of our clients.
  • Entrepreneurial Spirit : We embrace innovation and creativity, encouraging proactive and forward-thinking approaches to overcome challenges and seize opportunities.
  • Accountability: We take responsibility for our actions and decisions, ensuring we deliver on our promises and uphold our commitments.
  • Integrity : We uphold the highest standards of honesty and transparency in all our interactions, ensuring trust and credibility with our clients and partners.
  • Excellence: We strive for superior performance in all aspects of our business, continuously improving and innovating to exceed expectations.
  • Respect for Others : We value and respect the diverse perspectives of our clients, partners, and team members, fostering a culture of inclusion and mutual respect.
  • Discipline : We maintain a disciplined approach in our operations, adhering to best practices and regulatory requirements to ensure consistent and reliable service.
  • Clear & Open Communication : We prioritize open and transparent communication, ensuring all stakeholders are well-informed and engaged.
  • Customer Focus : We place our clients at the center of everything we do, dedicating ourselves to understanding and meeting their needs with personalized, responsive service.
  • Reliability : We are steadfast in our commitment to providing dependable and consistent service, ensuring our clients can rely on us in every situation.
  • Innovation : We embrace new ideas and technologies to stay ahead in the industry, constantly evolving to provide the best solutions for our clients.
  • Teamwork : We foster a collaborative and supportive work environment, recognizing that our success is built on the dedication, skills, and diverse perspectives of our team. Our employees are our greatest asset, working together to achieve our common goals and deliver exceptional value to our clients.
  • Family & Community : We are committed to supporting the well-being of our employees, their families, and the broader community, recognizing the importance of work-life balance and social responsibility.

Our Strategy

We strive to be at the forefront of the insurance industry in Rwanda and beyond, setting standards and providing services that protect and empower our clients and communities.
  • We start by deeply understanding the diverse needs of our clients across all segments—individuals, families, and businesses.
  • Our products and services are designed to meet these needs with precision and personalization, ensuring relevance and value.
  • We continuously invest in technology to enhance our service delivery, simplify processes, and ensure accessibility.
  • Developing new insurance products that cater to the evolving demands of our market, such as cyber insurance and environmental liability coverage.
  • We aim to expand our presence in the East African region, establishing a footprint that supports cross-border trade and mobility.
  • Actively participating in community development projects, we strengthen our bond with the communities we serve and enhance our brand's trust and loyalty.
  • Streamlining operations to reduce costs and improve response times, ensuring that our clients receive fast and efficient service.
  • Upholding the highest standards of service quality and customer satisfaction, monitored through regular feedback and rigorous quality control measures.
  • Integrating eco-friendly practices into our operations and promoting green insurance products to encourage environmental stewardship.
  • Investing in sustainable projects that contribute to economic stability in our markets, such as renewable energy and infrastructure development.

Corporate Governance

At SONARWA GENERAL INSURANCE COMPANY LTD, we are dedicated to shaping the future of insurance in Rwanda and expanding our influence throughout the COMESA region. Our governance framework emphasizes innovation in service delivery, leveraging cutting-edge technologies to enhance our operational efficiency and customer engagement. We are poised to broaden our reach, making our high-quality insurance products more accessible.
Our commitment extends beyond growth; it encompasses a steadfast dedication to environmental and social governance principles, ensuring sustainable and responsible business practices. As we adapt to global insurance trends and evolving market demands, SONARWA remains focused on delivering exceptional value and reliability to our customers and shareholders.
By integrating global insights with local expertise, we aim to redefine the standards of excellence in the insurance industry, ensuring we are a trusted partner in safeguarding the future.

Our Story

  • Vision
  • Mission
  • Core values
  • Our Strategy
  • Corporate Governance
  • Our Branches & Agencies

About Sonarwa

Our Journey Is A Tale Of Resilience, Innovation, And Growth. Since Sonarwa’s Establishment In 2012, We Have Committed Ourselves To Delivering Exceptional Insurance Products And Services, Making A Significant Impact In Rwanda And The Region. Here, We Share Our History, Milestones, And The Path We’ve Charted Towards A Secure Future.
  • 2012: Sonarwa General Insurance Company Ltd Is Officially Licensed, Marking The Beginning Of Its Operations In Kigali, Rwanda.
  • Key Developments: Over The Years, Sonarwa Has Introduced A Range Of Insurance Products Designed To Meet The Diverse Needs Of Its Customers, Including Motor, Fire, Marine, And More Recently, Innovative Offerings In Engineering And Crop Insurance.
  • Growth And Expansion: Our Strategic Focus On Customer Satisfaction And Value Creation Has Seen Us Expand Our Presence Across Rwanda, With Multiple Branches Ensuring Accessibility And Convenience For Our Clients.
  • Leadership In The Market: Sonarwa Has Consistently Held A Strong Position In Rwanda’s Insurance Industry, Characterized By Substantial Growth In Gross Premiums And A Robust Solvency Margin.
  • Innovative Solutions: We Were Pioneers In Introducing Tailored Insurance Solutions Such As Crop And Engineering Insurance, Catering Specifically To The Unique Needs Of Rwanda’s Agricultural And Construction Sectors.
  • Community Impact: Beyond Business, We Have Engaged In Numerous Community Outreach And Development Programs, Affirming Our Commitment To Responsible Corporate Citizenship.
  • Economic Contribution: Through Our Operations, We Have Significantly Contributed To The Economic Growth Of Rwanda, Enhancing The Financial Stability And Productivity Of Both Individuals And Businesses.
  • Client Success Stories: From Small Businesses To Large Corporations, Our Insurance Products Have Played A Pivotal Role In Enabling Our Clients To Manage Risks Effectively And Thrive Amidst Challenges.
  • Awards And Recognition: Over The Years, Sonarwa Has Been Recognized By Various Industry Bodies For Its Excellence In Service Delivery, Innovation, And Contribution To The Insurance Sector.