Road crashes continue to be an ongoing issue that negatively impacts Barbadians, especially the youth. UNICEF reported in 2021 that of the 483 road fatalities that were recorded, 69% came from the most vulnerable groups of road users: pedestrians, motorcyclists and children. Of the road fatalities in 2021, 25 were children (0-17 years).

These findings demonstrate that parents, guardians and caregivers should ensure that they take the necessary precautions. Here are 10 precautions that you must follow when you are driving with babies/toddlers/kids.

Have the right car seat 

Ensure your baby is in a rear-facing car seat until they are one year old. It will support their head, neck and spine. Be proactive by purchasing the car seat before the child arrives so that you can be ready for their first day. It is proven that car seats prevent death and serious injury involved in accidents. A Swedish study found that rear-facing child seats reduced the likelihood by ninety per cent compared to those without a car seat.

Secure loose objects or toys

Secure your child’s toys so that they don’t become loose and create a commotion when your baby can’t reach them. Fastening their favourite toys can also help teach them at an early age the relevance of wearing a seatbelt whenever you’re in a car. Also, when objects are restrained it reduces the chance of it injuring passengers during an accident.

Front seats are for adults

Children should never be allowed to sit in the front car seat unless they are tall enough for the seatbelt to accommodate them. Although it may be convenient to tend to them by wiping their noses or giving them your attention, you may be distracted.

Have a “barf” bag just in case

Place a plastic bag in the vehicle if it’s their first time. Being car sick is a problem that you must be prepared for as a parent. The sick bag should be within your reach and make sure to only give it to them if they absolutely need it.

Ensure that you have steady hands and feet

 

As a parent, driving smoothly is important. Handle the steering wheel, throttle, and brake pedals with care. Avoid jerking the wheel or stomping the pedal and look ahead for any hazards that you can anticipate.

 

Take regular breaks during long trips

Taking breaks regularly while driving with your children, and allowing them to use the restroom at various stops will help them to calm down. Children will tend to distract you when they are hungry or bored.

Keep your children occupied during the journey

Children can be restless during their journey if they do not have anything to do in the vehicle. It is important to keep their mind occupied by engaging them in a conversation. You may ask them about their studies, their friends or how their day went. Additionally, you speak to them about the importance of safe driving by giving examples while driving to your destination.

Activate child’s lock

Activating child’s lock is a crucial step in keeping your children safe during their commute. A child’s lock prevents the door from accidentally opening while the vehicle is moving. No one can enter a vehicle if the lock is activated. Hence, if a child attempts to open the door from the inside when they are seated in the rear seat and the child’s lock is activated, the door cannot be opened. While the lock is initiated, the door can only be activated from the outside. When you have stopped at your destination, you do this by disengaging the lock, which will ensure that everything goes back to normal.

Bring a friend

It is good to have support when dealing with children. One adult will be behind the wheel and another will be at the back taking care of the kids. When this is done, it will help you to focus on the road and keep your child in check in the back seat.

Be an example

Lastly, drive carefully. Communicate with your children and tell them about the joys of driving and how to do so safely. You may also want to familiarize them on what a car is so that they won’t be scared to drive in it.  Create a good image in their heads about driving so that they are excited to drive with you. This will help to form good driving practices in the future.

For more driving safety tips, visit our blog at genac.com

In the dynamic landscape of Barbados, where construction and development are thriving, the importance of protecting your investments cannot be overstated. One crucial aspect that often goes overlooked is engineering insurance. This blog post will shed light on what engineering insurance is and why it is essential for anyone involved in construction or engineering projects in Barbados.

 

What is Engineering Insurance?

Engineering insurance, also known as construction insurance, is a specialized type of coverage designed to protect against the risks and uncertainties inherent in construction and engineering projects. These projects can range from small-scale residential constructions to large-scale infrastructure developments.

At General Accident, engineering insurance will protect your ongoing construction project, plant, machinery or electronic equipment against loss or damage with this comprehensive insurance product.

 

Types of Engineering Insurance

 

Equipment All Risks

This policy covers direct physical loss of or damage to property including incorrect operation, negligent or malicious acts of employees or third parties, burglary, theft, robbery, short-circuiting, excessive voltage, induction, fire, lightning and explosion, scorching and charring, smoke, soot, forces of nature such as hurricane, storm, flood, hail, earthquake, any influence of water and moisture and any other accident not specifically excluded.

 

Contractors All Risks

This policy covers all risks of physical loss or damage to the contract works including all materials awaiting use including:

Fire, lightning, hurricane, earthquake, cyclone, tornado, windstorm, volcanic eruption, flood, impact damage, aircraft damage (including things falling therefrom), malicious damage, riot, strike, civil commotion, explosion, bursting of pipes and overflowing of water tanks, subsidence, accidental damage, burglary and theft.

Computer All Risks

General Accident’s Computer All Risks Policy covers all risks of physical loss or damage to electronic data, processing equipment and the like, including;-

Fire, lightning, spontaneous combustion, volcanic eruption, explosion, subterranean fire, earthquake, hurricane, windstorm storm, tempest, cyclone, tornado, hail, flood, riot, strike civil commotion, malicious damage, aircraft damage etc.

 

Why Should You Get Engineering Insurance in Barbados?

 

1. Protection Against Unforeseen Events

Barbados, like other countries in the Caribbean region, is susceptible to natural disasters. Engineering insurance provides a safety net against the damages caused by hurricanes, floods, and earthquakes.

 

2. Financial Security

Construction projects involve substantial financial investments. Engineering insurance mitigates financial risks by covering repair costs, replacement expenses, and legal liabilities, offering peace of mind to investors and stakeholders.

 

3. Maintaining Business Reputation

Professionals in the construction industry rely on their reputations. Engineering insurance, safeguards against malicious damage, preserving the credibility of architects, engineers, and other stakeholders.

Engineering insurance is a crucial tool for safeguarding construction and engineering projects in Barbados. Whether you’re a property owner, contractor, or professional in the industry, investing in the right engineering insurance is a proactive step towards protecting your assets and ensuring the successful completion of projects despite unforeseen challenges. As the construction landscape continues to evolve in Barbados, embracing engineering insurance is not just a choice but a strategic necessity.

 For more information on all things motor insurance, browse our blog.

As of July 1, 2018, The Ministry of Transport, Works, and Water Resources in Barbados abolished the traditional road tax for private vehicles and replaced it with a fuel tax. This significant change in the way Barbadians contribute to road maintenance has been aimed at making the system fairer for everyone. In this blog post, we will explore how the fuel tax works, provide essential tips for licensing and registering your vehicle, and encourage you to stay up-to-date with the latest information regarding motor vehicle taxation in Barbados.

 

How Fuel Tax Works

The decision to replace the road tax with a fuel tax was a fundamental shift in how road maintenance and repair costs are funded. The underlying idea behind this change was simple: the more a person drives, the more tax they should pay to support the upkeep of the roads they use.

Before the road tax was abolished, drivers who drove infrequently, sometimes as little as once a day or even less, were stuck paying hundreds of dollars annually, even though they were not using the roads that often. The updated fuel tax ensures that those who drive the most are also contributing the most to road maintenance and repair costs.

This change is not only a more equitable approach but also encourages responsible fuel consumption and eco-friendliness as it ties road tax directly to fuel usage.

 

Tips For Licensing and Registering Your Vehicle

Buying a car is a significant step, but before you invest in a vehicle, make sure that it will be properly insured and registered. Here are some important things you need to know when it comes to licensing and registering your vehicle in Barbados:

Age Requirements for New Vehicles: For new vehicles, the owner or applicant must be at least 17 years old.

 

Required Documents for Registration:

• Weight certificate
• Letter of sale
• Insurance Cover Note or Certificate
• Completed registration form ( available from the payment section at all BRA locations)
• Fuel tank should be full when taking your vehicle to get weighed.

 

Required Documents for Agents:

• A Pro Forma Invoice (issued by the seller)
• Completed Motor Vehicle Tax Form (issued by the motor car firm)
• Completed Registration Form No. 6
• Cover Note or Certificate of Insurance
• Payment of weighbridge fee:
  • Vehicle is weighed and inspected.
• Registration is approved once it complies with the Motor Vehicles and Road Traffic Act Chapter 48:50 and Motor Vehicle Insurance Third Party Risk Chapter 48:51.
• A registration number will be issued once the Motor Vehicle Tax and associated fees are paid.
• Associated fees:
  • Registration Fee – $100.00
  • Motor Vehicle Tax is calculated – To be paid before registration
  • Weighbridge Fee – $20.00

 

 Required Documents for Foreign Used Vehicles:

• Customs and Excise Division Official Receipt
• C82 Form
• Assessment Notice
• Record of Payment of Motor Vehicle Tax
• Bill of Lading (BL)
• Commercial Invoice
• CARICOM Invoice
• Cancellation Certificate
• English Translation
• Trinidad and Tobago Bureau of Standards Inspection Certificate
• Ministry of Trade and Industry Trade Import Licence
• Completed Registration Form
• Driver’s Permit
• Identification Card or Passport (Accompanied by Utility bill as Proof of Address)
• Valid Vehicle Insurance
• Fee – $120.00

For detailed information and forms, you can visit the Barbados Revenue Authority.

 

Stay Up-To-Date

As Barbados continues to evolve its road tax system, staying informed and following the necessary steps for registration and licensing will help you enjoy a smooth and hassle-free motoring experience.

For the latest information and tips about motor vehicle insurance in Barbados and any associated legislation, browse our past blogs or visit the Barbados Revenue Authority.

Having the wrong information can end up costing you money, especially when it comes to insurance. Despite being in the information age, misinformation is floating around the internet and sometimes in your peer groups. Stay informed and make the best decisions regarding your insurance. Let’s debunk some common car insurance myths. Here are some common statements that are simply not true.

Myth 1: “All car insurance is the same”

All car insurance is not the same.

Not only are there different types of car insurance, but every company is also different.

Be sure to take the time to research car insurance companies and their policies to get the best coverage for your vehicle.

If you find the best policy for your needs, you’ll likely save money and get great benefits you might have missed out on without proper research.

For example, if you’re the only person who will be driving your car, you qualify for a 15% discount at General Accident Insurance.

 

Myth 2: “Car insurance is too expensive”

The truth is, not having great car insurance would cost more money!

For example, if you get into a car accident, depending on your insurance policy, you can get a replacement rental car. If only your windscreen is damaged in an incident, you can have it replaced without having to pay an Excess, and without it affecting your no claims discount.

If you’re injured in an accident, some of your medical bills may be covered.

Without insurance, you would have to pay for all of that out of pocket and end up in trouble with the law since driving without insurance is illegal.

There are also other ways you can save money on your car insurance. At General Accident Insurance, we offer additional discounts. Talk to us to see which ones you qualify for.

It pays to have car insurance.

 

Myth 3: “Car insurance doesn’t help with natural disasters”

If your car is damaged due to a fire, hurricane, earthquake or another act of nature, your car insurance policy may cover these too.

With General Accident Insurance, one of the benefits of our comprehensive policy is coverage for floods and special perils like fire and even riots.

So, if you’re worried about your car being damaged by any natural disaster, talk to us about getting comprehensive insurance.

 

Myth 4: “Changing insurance providers is costly”

If you’re unhappy with your car insurance provider, you may be thinking about switching to another.

You’ll be happy to know that changing insurance providers does not have to be costly.

As a matter of fact, at General Accident Insurance, you can save 10% off your annual premium by switching.

 

Myth 5: “Old cars don’t need insurance”

All cars need insurance.

It’s illegal to operate a motor vehicle in Barbados without some type of third-party liability insurance.

However, if you have an older car, you may feel like insurance is a waste of money but it’s not.

If your car gets damaged in an accident and the cost to repair exceeds the value of the car, we will pay you the car’s market value less the deductible.

 

Myth 6: “I don’t need insurance if I’m a safe driver”

Being a safe driver is great! However, accidents can happen to the safest drivers. Having car insurance is not only legally required but it can save you a lot of trouble.

Your insurance can help you with paying for the damage, medical bills, legal fees and more.

It’s important to have the right information so that you can make the right decisions. To debunk more myths you have heard about car insurance, contact us at 246 538-2200 and let’s have a chat. Let’s clear up these myths and get you the best insurance policy for your needs.

With the increasing popularity and advancements in electric vehicle (EV) technology, more and more car buyers are considering making the switch to electric. However, concerns about the cost of electric vehicles have often deterred potential buyers. The good news is that the EV market is progressing rapidly, and there are now several electric vehicles available that offer great features, range, and performance without breaking the bank. We will highlight some of the top affordable electric vehicles that you should consider buying in this blog post.

1. Nissan Leaf

The Nissan Leaf is one of the most popular electric vehicles on the market. It offers a comfortable and spacious interior, impressive range, and a reliable electric drivetrain. With various trim levels and options available, you can find a Leaf that suits your budget and preferences. Its competitive pricing and reliability make it an excellent choice.

2. Chevrolet Bolt EV

Another versatile and practical electric vehicle that offers an impressive range at an affordable price point is the Chevrolet Bolt EV. With its spacious interior, comfortable seating, and user-friendly technology features, the Bolt EV provides a great driving experience. Its range of over 200 miles per charge makes it suitable for daily commuting and longer trips without the anxiety of running out of battery.

3. Hyundai Kona Electric

The Hyundai Kona Electric is a compact SUV that delivers both affordability and range. It offers a stylish design, a well-built interior, and a competitive electric range, making it a compelling option for those seeking an electric SUV. The Kona Electric comes with various safety features and technology enhancements, ensuring a comfortable and enjoyable driving experience.

4. Kia Soul EV

The Kia Soul EV is a unique electric vehicle that stands out with its distinctive boxy design and impressive range. With its spacious cabin, ample cargo space, and a range of standard features, the Soul EV provides excellent value for money. It is ideal for urban driving and daily commutes, offering practicality and a fun driving experience.

5. Volkswagen ID.4

The Volkswagen ID.4 is a compact SUV that combines affordability, style, and functionality. With a sleek exterior profile and a well-designed interior, the ID.4 offers a premium feel without the hefty price tag. It provides a respectable electric range, advanced safety features, and a smooth driving experience, making it an attractive option for budget-conscious buyers.

 

Gone are the days when electric vehicles were considered a luxury reserved for the wealthy. With the expansion of the EV market, buyers can expect more affordable electric vehicles to become available that cater to a wider range of budgets as technology continues to improve. Consider these options and take a step towards a greener and more sustainable future with an electric vehicle.

 

 

Property insurance plays a vital role in protecting our most valuable assets, whether they are  homes, businesses, or personal belongings.  Unfortunately, there are several misconceptions and myths surrounding property insurance that can lead to misunderstandings and inadequate protection. In this blog post, we’ll debunk the top misconceptions about property insurance, to help you make more informed decisions.

Misconception 1: “I rent, so I don’t need property insurance.”

One common misunderstanding is that property insurance is only necessary for homeowners. In reality, if you’re a tenant,  you still need insurance. While your landlord’s insurance may cover the building’s structure, it won’t protect your personal belongings in case of theft, fire, or other events. Renter’s insurance is designed to safeguard your possessions, provide liability coverage, and offer additional living expenses if you are temporarily displaced due to a covered event.

Misconception 2: “I have a basic homeowner’s insurance policy; I’m fully covered.”

A standard homeowner’s insurance may not cover every possible scenario. Basic policies typically protect against common risks like fire, windstorms, and theft, but they might not include coverage for floods, earthquakes, or certain types of personal belongings, such as high-value jewellery or collectibles. Review your policy carefully and consider purchasing additional coverage if needed.

Misconception 3: “My property’s market value dictates the coverage amount.”

Many property owners mistakenly believe that the market value of their home or property determines the appropriate insurance coverage. In reality, property insurance should be based on the cost to rebuild or repair the property, not its market value. Market value considers factors like the location and demand in the real estate market, whereas insurance coverage  considers construction costs, materials, and labour in the event of a disaster.

Misconception 4: “Homeowners’ insurance covers home-based businesses.”

Running a business from home has become increasingly popular, especially with the rise of remote work and entrepreneurship. However, don’t assumethat your homeowner’s insurance automatically covers your home-based business. In most cases, standard homeowner’s insurance excludes business-related liabilities and property damage. If you run a business from home, consider a separate business insurance policy or an endorsement to your existing policy to cover your business assets adequately.

Misconception 5: “Flood and earthquake damage are covered under standard policies.”

Natural disasters like floods and earthquakes can cause significant damage, but they are typically not covered under standard property insurance policies. Property owners residing in high-risk flood or earthquake zones should consider purchasing separate policies or endorsements specifically tailored to protect against these risks.

Misconception 6: “Home insurance covers routine maintenance and wear and tear.”

Property insurance is designed to protect against sudden and accidental damage rather than routine maintenance and wear and tear. Homeowners are responsible for maintaining their properties and addressing issues that arise due to regular use and ageing. Failing to maintain your property properly could lead to denial of your claim  if the insurer determines that the damage resulted from negligence or lack of maintenance.

Remember, insurance is a safety net, and investing in the right coverage is an investment in your future security.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Being involved in a car accident can be a traumatic experience, regardless of where it occurs. If you find yourself in such a situation, it’s crucial to understand the necessary steps to take to ensure your safety, protect your legal rights, and minimize any potential complications that may arise. In this blog post, we’ll outline a comprehensive guide on what to do after a car accident.

1. Prioritize Safety

The immediate aftermath of a car accident can be disorienting, but your safety should be your top priority. Move your vehicle to a safe location, if possible, and turn on your hazard lights to alert other drivers. Check yourself and your passengers for injuries and call for medical assistance if needed. It’s important to remain calm and avoid any arguments or confrontations at the scene.

2. Contact the Police

In Barbados, it is mandatory to report all road accidents to the police. Call the police or emergency services (dial 211) to report the accident and request their presence at the scene if there are any injuries. An official police report will provide an important legal record of the incident, which may be required for insurance claims or any legal proceedings that might follow.

3. Exchange Information

The Roadside Assistance team, if contacted, will respond to the scene and take all relevant details. If they are not present, you may exchange information with the other parties involved in the accident. This includes names, contact details, vehicle registration numbers and insurance information. It is also helpful to gather contact details of any witnesses who can provide an unbiased account of the accident.

4. Document the Accident Scene

If it is safe to do so, document the accident scene by taking photographs or videos of the vehicles involved, the surrounding area and any visible damages. These visual records can serve as valuable evidence when dealing with insurance companies or legal proceedings.

5. Seek Medical Attention

Even if you do not believe you have sustained any serious injuries, it is still advisable to seek medical attention after a car accident. Some injuries may not be immediately apparent and a medical professional can conduct a thorough evaluation to detect any underlying conditions. Obtaining medical reports will support any future claims related to injuries resulting from the accident.

6. Notify Your Insurance Company

Promptly notify your insurance company about the accident, providing them with accurate and detailed information about the incident. Be prepared to share the police report, photographs, witness statements and any medical records. Your GenAc representative will guide you through the claims process and advise you on the necessary steps to take.

7. Consult Legal Counsel

Depending on the circumstances and severity of the accident, it may be beneficial to consult with a qualified attorney experienced in handling motor vehicle accidents. They can provide valuable legal advice, help protect your rights, and navigate the complexities of the legal system, especially if you plan to pursue a personal injury claim.

Experiencing a car accident can be distressing, but knowing the appropriate steps to take afterwards can make a significant difference in safeguarding your well-being and ensuring a smooth resolution. Remember, staying calm, cooperative, and well-informed will help you navigate the situation with greater ease and confidence.

Electric vehicles (EVs) are becoming increasingly popular, as people become more conscious of the environment and the need to reduce their carbon footprint. As EVs become more common, it’s important to consider the differences in car insurance for electric vehicles. In this blog post, we will explore the differences in car insurance for electric vehicles and what you need to consider when purchasing insurance for your EV.

The differences in insuring electric vehicles

One of the most significant differences in car insurance for electric vehicles is the cost. Generally, electric vehicles are more expensive to insure than traditional gas-powered vehicles. The reason for this is that electric vehicles are still relatively new, and their repair costs can be higher due to the specialized equipment and expertise needed to repair them. However, as more people adopt EVs and repair costs decrease, insurance rates are expected to decrease as well.

Another factor that affects insurance rates for EVs is the battery. EV batteries are a significant part of the vehicle, and their replacement cost can be high. As a result, insurance companies often have different policies for EVs with batteries that have reached the end of their useful life. This is because a failing battery can impact the performance of the vehicle and increase the risk of accidents.

Additionally, there are some unique risks associated with owning an electric vehicle that traditional gas-powered vehicles don't have. For example, there is a risk of an electrical fire, which can be costly and dangerous. As a result, insurance companies may have specific policies to cover these types of risks.

GenAc hybrid/electric vehicle coverage

As an environmentally keen insurance provider, GenAc has an insurance policy for new and existing hybrid and electric vehicle owners, called Ecodrive. This policy offers:

• Charging Accessories Coverage – Stationary charging equipment and cables are protected from accidental damage or fire while at your private garage. This coverage may entail the repair, replacement and/or reinstallation of charging equipment based on the severity or nature of the damage.
• Free 24/7 Breakdown Coverage – in the event that you run out of charge or need on-the-road assistance.
• Manslaughter Defence Costs – automatically included in your motor policy.
• Child Car Seat Coverage – automatically included in your motor policy.
• Personal Accident/ Driver Coverage – automatically included.
• Replacement Electric Vehicle Hire – To reflect your commitment to renewable energy in the event of an accident where you are entitled to a replacement vehicle, we will upgrade your replacement vehicle hire to an electric vehicle or hybrid, subject to the availability from our rental partners.
• Wrecker and Storage Fees – includes coverage for removal and storage per the limit specified on your policy schedule.
• Windscreen Damage – up to two claims per motor policy annually.
• Medical Expenses – automatically included in your motor policy.

At GenAc a greener driver deserves a greener commitment.

Though car insurance for electric vehicles is different from traditional car insurance, getting the coverage you need for your eco-friendly vehicle is easy with GenAc. Visit the GenAc BB website to get a quote today.

Owning a vehicle is a huge responsibility. A vehicle requires a lot of attention and care. Ignoring warning signs for care can spell financial trouble later on. Here are five ways you can show your vehicle some love and keep it running smoothly.

1. Check your engine oil

Check your engine oil monthly to maintain the correct oil levels and avoid costly engine repairs. Here are a few tips to conduct an oil check on your own.

● Ensure that the car is parked on level ground.
● Turn on the engine and leave it on for a little while and then switch it off.
● Pull the dipstick out and wipe it with a paper towel while the engine is warm. Place the dipstick back into the engine fully because a false reading will be given if it is not inserted properly.
● Remove the dipstick and inspect the oil level. The level should be between the low and high markings. Place more oil in the engine if the oil level is too low, but check your manual to ensure you have the correct oil grade.

2. Clean Your Vehicle

Has your car become a catch-all for random things you’ve accumulated while on the road? A tip for maintaining a clean car is to write a list of what you want in the car. This list will help you to decide what you want in your car and what you need to dispose of.

While travelling long distances you may be challenged with accessing garbage disposals. In such an event you may have garbage in the vehicle. One quick fix to this issue is to have a designated small garbage bag in the car that you’ll get rid of at the end of your trip.

Another part of keeping your car clean is remembering to wash the exterior. You may decide to carry it to your local car wash or wash it on your own but it is recommended that under normal circumstances you wash your vehicle every two weeks. A more frequent wash may be necessary if you regularly travel on dirt roads.

3. Inspect the tyres

Do weekly inspections for your tyres. Beware of signs of bulging, cuts and tears of the tyre wall. Anything that you observe is unusual, you may need to contact your local garage.

Tyres that are underinflated can cause poor handling, overheating and even a blowout of the tyres. Be very attentive by ensuring that your tyres are inflated and at the correct pressure.

4. Replace Your Windshield Wipers

Replacing old windshield wipers with new ones is one of the simplest ways to take care of your vehicle. As time goes by the wipers will wear due to use and weather conditions. This will result in cracks, which will prevent the wiper from being fully functional.

When this happens visit your nearest hardware or automotive store for replacements.

5. Practice good driving habits

Good driving habits can affect how long you will have a vehicle. As such, follow the traffic laws and avoid aggressive driving behaviours.

Other good habits include avoiding car distractions, using turn signals, always wearing your seatbelt, avoiding driving too close to other vehicles and never driving under the influence.

Always show your vehicle some love by spending time taking care of it. Use these steps to protect your vehicle from excessive wear.