What Is Covered By A Basic Auto Policy?

Both Private and Commercial Vehicles may be insured either
Comprehensive or Third Party.

Auto InsuranceComprehensive Insurance provides protection in the event of:

  • Damage to or the loss of your own vehicle.
  • Damage to property belonging to another caused by you.
  • Injury to another person caused by you.

Third Party insurance will only cover:

  • Damage you cause to property belonging to another.
  • Injury to another person caused by you.

Our standard Motor Policy automatically covers a persons vehicle for Hurricane, Earthquake, Lightning, Cyclone,Tornado, Flood, Tropical Storm, or what are commonly know as Acts of God without any extra cost to the insured.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the required minimum to protect assets such as your home and savings.

Windscreen Damage.

Standard cover is up to EC $3000.00. This can be increased to EC$5000.00 at an additional cost.

If you have a No Claim Discount this will not be affected if you have to make a Windscreen Claim.

 A Temporary Replacement Car.

If you make a claim on the policy because of an accident you are entitled to the use of a rental car for a maximum of ten days at a cost of up to EC$175.00 per day.

 Personal Accident Cover

This cover takes into consideration that driver of the vehicle is not  covered in an accident. Personal Accident Cover for you and your spouse while driving can take care of your expenses up to a limit of EC $25,000.oo in the event of an accident.

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