Skip to content

do you have 5 mins?

If you do, then we got you.

get a quick quote

have a little more time?

Get a detailed quote.

get a quote

Log in to view and manage
your account.

Login into online portal

No login required

pay insurance now
  |   PAY   |   QUOTE   |     |  

MOTOR AND CAR INSURANCE JAMAICA

FOR EVERY TURN OF YOUR LIFE

All vehicles in Jamaica, whether it be personal, commercial or public, are required to be insured by law. Car insurance in Jamaica is designed to provide financial protection to drivers in the event of a crash that causes damage to personal property or injuries.

Your motor vehicle is a valuable asset. No matter how careful you are, accidents can and do happen. General Accident offers a range of car insurance policies that provide protection against the costs of a collision, overturning, fire, theft and malicious damage — insuring you against any legal liability.

Types of Car Insurance in Jamaica

GENAC offers three standard car insurance policies to suit your needs and budget. With each policy, you enjoy a more complete list of protections and benefits.

 

Third Party Only

Third Party Insurance is the most affordable option and provides coverage for any loss against someone else’s property. That includes any damage to personal property and other motor vehicles. Coverage for damage to your vehicle is not included in our Third Party Only policy. This is often the minimum coverage required by law.

 

Third Party Fire and Theft

Moving a step up, Third Party Fire & Theft provides all the coverage of the Third Party Only policy while adding protection against vehicle theft and fire.

 

Comprehensive Insurance

Our most robust policy, Comprehensive Insurance provides protections for your vehicle as well as other people’s property.

 

Child Car Seat Coverage for Comprehensive Policies

Child car seats are automatically covered under all GA Private Comprehensive Policies at no additional cost. If you are involved in a crash that’s not considered minor, or if your car is damaged by fire or stolen and not recovered, you may claim your car seat as damaged and be reimbursed up to $15,000 to replace it.

fully-comprehensive

Comprehensive Insurance

A comprehensive motor policy provides protection or coverage for your vehicle as well as damage to other persons’ property.

third-only

Third Party Only

Third Party Insurance provides cover for loss against someone else’s property.  No cover for damage to your vehicle.

third-party

Third Party Fire & Theft

Third Party Property, Fire and Theft Insurance adds cover in the event of your vehicle being stolen or catching fire.

What characterizes a minor crash? To be classified as minor, all of the following must apply:

  • The vehicle was able to be driven away from the crash site.
  • The vehicle door nearest the car seat was not damaged.
  • None of the passengers in the vehicle sustained any injuries.
  • The airbags did not deploy during the crash.
  • There is no visible damage to the car seat.

General Accident Auto Insurance Packages

Superior Lady Policy

Female drivers between the ages of 25 and 65 who meet the following criteria may be eligible for our Superior Lady Policy:

  • Hold a valid driver's license and have it for at least two years.
  • Have had no accidents in the past two years.
  • Own a vehicle that is valued at over $1,200,000
  • Use their car for social, domestic and pleasure purposes only.

PROTECTED NO CLAIM DISCOUNT**

Policyholders earning a maximum No Claim Discount and who have been insured with us for a period no less than two years, will not have their NCD affected for their first claim payment, which does not exceed $350,000.00.

LOSS OF USE

Policyholders are entitled to a maximum of $1,500.00 per day for a maximum of 5 days if their vehicle is laid up as a result of a collision

INCREASED LIMITS OF LIABITLITY

  • Third party limits of liability third party Bodily Injury
  • In respect of death or bodily injury to any one person - $5M
  • In respect of a series of death or bodily injury claims arising out of any one event - $5M
  • Third Party Property Damage • In respect of any one property damage claim - $5M
  • In respect of a series of property damage claims arising out of one event - $5M
  • Wrecking & Storage - $50,000.00 • Windscreen - $100,000.00
  • Manslaughter legal fees - $250,000.00
  • Personal Accident* - $250,000.00
commercial-policies

Our Private Commercial Motor Policy provides coverage for vehicles used to transport your own goods, such as tractors, pick-ups, refrigerated trucks and more.

Commercial policyholders can take advantage of the extra benefits such as:

Windscreen Damage

Your commercial comprehensive policy provides a maximum of two claims in any one policy year with coverage up to the limit specified in your policy schedule. The coverage allows you to claim for broken glass in your car’s windscreen or windows and it will not count as a claim for the purposes of calculating your no claim bonus.

Manslaughter Defence Costs

Vehicular manslaughter is every driver’s worst nightmare. However, if this nightmare ever becomes a reality, your policy provides a maximum of $150,000.00 to defend against charges.

Personal Accident

This provides vehicle driver coverage for personal injury resulting in death or permanent injuries. *Additional coverage is available at a cost.

Wrecker & Storage Fee

If you are involved in an accident and unable to drive the vehicle from the scene, your policy provides coverage for removal and storage as per the limit specified on your policy schedule.

Medical Expenses

Your policy will cover medical expenses for the driver in the case of an accident. The maximum limit is as per the sum noted on your policy schedule.

superior-car-policy

Our Private Commercial Motor Policy provides coverage for vehicles used to transport your own goods, such as tractors, pick-ups, refrigerated trucks and more.

Take advantage of the extra benefits such as:

Windscreen Damage

Your commercial comprehensive policy provides a maximum of two claims in any one policy year with coverage up to the limit specified in your policy schedule. The coverage allows you to claim for broken glass in your car’s windscreen or windows and it will not count as a claim for the purposes of calculating your no claim bonus.

Manslaughter Defence Costs

Vehicular manslaughter is every driver’s worst nightmare. However, if this nightmare ever becomes a reality, your policy provides a maximum of $150,000.00 to defend against charges.

Personal Accident

This provides vehicle driver coverage for personal injury resulting in death or permanent injuries. *Additional coverage is available at a cost.

Wrecker & Storage Fee

If you are involved in an accident and unable to drive the vehicle from the scene, your policy provides coverage for removal and storage as per the limit specified on your policy schedule.

Medical Expenses

Your policy will cover medical expenses for the driver in the case of an accident. The maximum limit is as per the sum noted on your policy schedule.

Limits of Liability

  • Third party bodily injury
  • In respect of death or bodily injury to any one person: $3M
  • In respect of a series of death or bodily injury claims arising out of any one event: $5M
  • Third Party property damage
  • In respect of any one property damage claim: $3M
  • In respect of a series of property damage claims arising out of one event: $3M

*Increased limits are available at an additional cost.

Required Documents to Submit

When applying for a policy with GENAC, it’s essential to have the following documents ready, as they’re mandatory to qualify:

  • A valid driver's license.
  • Certificate of fitness or customs import entry.
  • Vehicle registration.
  • Motor vehicle valuation or mechanical report*.
  • Proof of address.

*The valuation report states the vehicle's market value to be insured. This will determine the premium insurance rate for your chosen motor insurance policy. On the other hand, mechanical reports are not always required but may be, depending on the age of the vehicle.

Free Roadside Assistance

All of our private car insurance policyholders can drive with peace of mind, knowing that in the case of a breakdown, they can contact REACT for free emergency roadside assistance. REACT will tow your vehicle to a safe and secure location, free of charge*.

*Roadside assistance for a breakdown has a limit of $5,000 and is available to third party and commercial policyholders at a nominal price of $1,500.00.

free-quote

Get a Free insurance Quote

Request a Free Quick Quote today. Simply tell us a little about yourself and your vehicle, and GENAC will provide an estimate for a typical coverage package.