Photo: Suesen, Wikimedia Commons, CC BY-SA 3.0Check an insurer, agent or broker in Zimbabwe
How to check an insurer, broker or agent in Zimbabwe
Short answerChecked 31 October 2026
Check the insurer and the broker or agent on IPEC's list of regulated entities before you pay, and look for an IPEC cancellation notice. Carrying on insurance business without registration (Insurance Act [Chapter 24:07], s 7), acting as an insurance broker without registration (s 35) and holding oneself out as an insurer or broker without being registered (s 88) are offences punishable by a fine up to level fourteen or up to five years in prison.
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- Find the company named on your policy on IPEC's list: life assurers, short-term insurers, funeral assurers, microinsurers, reinsurers, insurance brokers, multiple agents and loss assessors, each with an address, email and phone.
- Check that it has not been cancelled: in 2026 IPEC published cancellations of Heritage Life (5 May) and Orchid Funeral Assurance (1 June), while both names were still on the list on 31 October 2026.
- In doubt, ask IPEC: enquiry@ipec.co.zw, WhatsApp +263 772 154 281 (contact).
Our copy of the insurers: insurance companies in Zimbabwe.
What the Insurance Act says
- An insurance agent acts on behalf of a registered insurer: it initiates insurance business or receives proposals, issues policies or collects premiums. An insurance broker negotiates insurance with insurers on behalf of someone else (s 3).
- Carrying on insurance business without registration: offence, fine up to level fourteen, up to five years in prison (s 7(1)). The same for carrying on business as a broker without registration (s 35(1)).
- Causing someone to enter into insurance with an unregistered insurer is an offence (s 85), and only registered persons may use words such as "insurance", "assurance" or "broker" in their business name without IPEC's consent (s 86).
Text: [Insurance Act [Chapter 24:07]](https://ipec.co.zw/wp-content/uploads/2023/06/Insurance-Act_2.pdf). IPEC's registration requirements for agents: licensing requirements.
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Frequently asked questions
How do I know if an insurance company is registered in Zimbabwe?
Look for it on IPEC's list of regulated entities and check that IPEC has not published a cancellation notice, or ask IPEC on enquiry@ipec.co.zw or WhatsApp +263 772 154 281.
Is it an offence to sell insurance without IPEC registration?
Yes. Carrying on insurance business or the business of an insurance broker without registration is an offence under sections 7 and 35 of the Insurance Act, punishable by a fine up to level fourteen or up to five years in prison.
Sources
- IPEC — Regulated entities: life assurers, short-term insurers, funeral assurers, microinsurers, reinsurers, brokers, agents and assessors (retrieved 31 October 2026)
- IPEC — Notice of cancellation of Heritage Life Limited (5 May 2026)
- IPEC — Notice of cancellation of Orchid Funeral Assurance (Private) Limited (1 June 2026)
- IPEC — Contact us: head office and complaints handling offices in Harare and Bulawayo
- Insurance Act [Chapter 24:07] (Acts 27/1988, 19/98, 22/2001, 3/2004) — IPEC copy
- IPEC — Licensing requirements: insurers, brokers, corporate and individual agents