Life & Medical Insurance | Property Insurance | Other Insurances

motor Insurance

We offer various types of Motor Policies tailored to suit your needs:

 Private
 Commercial

 

private motor insurance

 Comprehensive coverage Includes:

 

• Protection for loss or damage to vehicle caused by:

- Accidental collision or overturning

- Fire, external explosion, self-ignition, lightning, burglary or theft.

- Acts of God

- Malicious Acts

• Medical Expense

• Damage to clothing & or personal effects

• Accidental Death & Dismemberment

 

Coverage extends to Protection of the Insured against Legal Liability to a third party for loss or damage as follows:

 

• Bodily Injury or death

• Property Damage

• Any other expenses related to any of the above

 

Third Party Coverage

 

Third party covers the insured's Legal Liability to a third party.

 

Coverage includes:
Protection of the insured against Legal Liability for loss or damage as follows:
• Bodily injury or death
• Property Damage
• Any other expenses related to the above

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Additional SERVICEs

 

AUTO PLUS

 

Roadside Assistance


It’s almost inevitable getting car trouble - so you do what you can to avoid it.  However, if your car decides to take a nap, consider taking advantage of our AUTOPLUS Roadside Assistance program.


What's included?
Roadside Assistance exists for your peace of mind. Once you purchase an Auto policy with us, the service is available Mon – Fri 7:00 AM to 6:00 PM and on Sat 8:00 AM to 4:00 PM. Call 481-7888 at any time during the operational hours.  Our representative will be dispatched to professionally assist you with the following:

 

Towing — whenever your vehicle is in an accident and it cannot be driven,  we can arrange for it to be towed from the scene to anywhere on the Island.

 

 Flat Tire Change — No need to panic if you have a flat. Our professional can put the spare tire on your vehicle and have you back on the road in quick time.

 

Battery Jump-Start — Call us if your battery fails. Service will be right at the scene to help you get on your way.

 

Emergency Fuel and Fluid Delivery — If your vehicle overheats or runs out of fuel, you can have the required fuel or fluids delivered directly to your vehicle.  Your comfort is our concern and you pay only for the cost of the fuel or fluids.  Delivery and service is Free.

 

Locksmith Service —Keys lost, stolen or accidentally locked inside your vehicle?  We can arrange for qualified personnel to render assistance.  You pay only for the cost of the replacement keys or any other service provided by the locksmith.

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MOTOR 5 R’s CONDITIONS

 

REPLACEMENT OF MOTOR VEHICLE:

If within twelve (12) months of the policy cover the vehicle is twelve (12) months old, or considered a new vehicle, and an accident occurs causing the vehicle to be a totalled, the Corporation will replace, or pay in cash the sum insured of the policy.


REPAIRS TO THE MOTOR VEHICLE:

Within eighteen (18) months of the policy cover and an accident occurs giving rise to a claim for repairs the parts to be replaced would not be subject to depreciation.


REINSTATEMENT OF PREMIUM:

Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim and the vehicle is rendered a total loss the un-used portion of the cover will be reinstated by the Corporation and the insured will pay the pro-rata portion of the premium to extend the cover to twelve (12) months on the reinstatement of policy cover.

 

REINSTATEMENT OF NO CLAIM DISCOUNT:

Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim whether it is repairs or total loss to the vehicle the No Claim Discount attained will be reinstated to the policy on a one (1) time basis only.

 

REMOVAL OF VEHICLE:

If at any time during our Comprehensive motor coverage an accident occurs giving rise to a claim and the vehicle is unable to be driven, the Corporation will compensate the

Insured or bear the cost of towing.

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Our Motor Initiatives

 

1.  Reduced deductibles on vehicles valued over $100,000.00

 

Featuring:
• Deductible - Only 1% of sum Insured minimum of $1500.00
• Double Discount - Benefit from an increase in your existing discount

 

To qualify:
• Comprehensive policies
• Privately owned
• Operated for Social or Domestic purposes

 

Additionally:
2. Accident Forgiveness -  retain your No Claim Discount.

3. Additional discount for retirees

4. Reduced deductible as value decreases

5. AutoPlus Service

6. 5Rs

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PAYMENT OPTIONS AVAILABLE

• Cash or cheque transactions.

• Credit cards – Visa, Master Card, Diners.

• Direct Bank-to-Bank premium payment or debit.

• Credit Terms Available

• Online Payment Coming Soon!

 

Special arrangements for Senior Citizens and Special Needs policyholders who may require assistance to complete internal transactions.  Call 481-7810 or 7809.

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commercial motor insurance

 

Comprehensive Coverage includes:

 

• Protection for loss or damage to vehicle caused by:

- Accidental collision or overturning

- Fire, external explosion, self-ignition, lightning, burglary or theft.

- Acts of God

- Malicious Acts

• Medical Expense

• Damage to clothing & or personal effects

• Accidental Death & Dismemberment

• Towing disabled vehicles

 

Coverage extends to protection of the Insured against Legal Liability to a third party for loss or damage as follows:

 

• Bodily Injury or death

• Property Damage

• Any other expenses related to any of the above

 

THIRD PARTY Coverage includes:


This covers the Insured’s Legal Liability to a third party.

 

Coverage includes:
Protection of the insured against Legal Liability for loss or damage as follows:
• Bodily injury or death
• Property Damage
• Any other expenses related to any of the above

 

Various classes of risk included in this policy:
• Taxi
• Buses
• Rental vehicles
• General Cartage

-Vans, trucks, etc, used to carry goods for hire/reward.

• Own Cartage

-Vans, trucks, etc, operated in business owned by the insured

• Agricultural

- Used for farming and agricultural purposes

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CONTRACTORS EQUIPMENT

 

Covers damages against risk of Fire and other perils, accidental damages, and Third Party Liability.

 

MOTOR 5 R’s CONDITIONS

 

REPLACEMENT OF MOTOR VEHICLE:

If within twelve (12) months of the policy cover the vehicle is twelve (12) months old, or considered a new vehicle, and an accident occurs causing the vehicle to be a totalled, the Corporation will replace, or pay in cash the sum insured of the policy.

 

REPAIRS TO THE MOTOR VEHICLE:

Within eighteen (18) months of the policy cover and an accident occurs giving rise to a claim for repairs the parts to be replaced would not be subject to depreciation.

 

REINSTATEMENT OF PREMIUM

Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim and the vehicle is rendered a total loss the un-used portion of the cover will be reinstated by the Corporation and the insured will pay the pro-rata portion of the premium to extend the cover to twelve (12) months on the reinstatement of policy cover.

 

REINSTATEMENT OF NO CLAIM DISCOUNT

Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim whether it is repairs or total loss to the vehicle the No Claim Discount attained will be reinstated to the policy on a one (1) time basis only.


REMOVAL OF VEHICLE

If at any time during our Comprehensive motor coverage an accident occurs giving rise to a claim and the vehicle is unable to be driven, the Corporation will compensate the Insured or bear the cost of towing.

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Our Motor Initiatives

1. Reduced deductibles on vehicles valued over $100,000.00

 

Featuring:
• Deductible - Only 1% of sum Insured minimum of $1500.00.
• Double Discount - Benefit from an additional 10% on your existing discount

 

To qualify:
• Comprehensive policies
• Privately owned
• Operated for Social, Domestic purposes


Additionally:

2. Accident Forgiveness - retain your No Claim Discount.

3. Additional discount for retirees

4. Reduced deductible as value decreases

5. AutoPlus Service

6. 5Rs

 

PAYMENT OPTIONS AVAILABLE

• Cash or cheque transactions

• Credit cards – Visa, Master Card, Diners

• Direct Bank-to-Bank premium payment or debit

• Credit Terms Available

• Online Payment Coming Soon!

 

Special arrangements for Senior Citizens and Special Needs policyholders who may require assistance to complete internal transactions. Call 481-7809/7810.

 

Our Agents will visit you to facilitate 
>>Call us today<<

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