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CAR INSURANCE BARBADOS
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In Barbados, any vehicle operating on public roads is required by law to have insurance. Failure to abide by this requirement could result in a fine of $1,000 and up to six months imprisonment, or both. Additionally, driving without being insured against third party risks may disqualify you from holding or obtaining a license for a period of 12 months from the conviction date.
Beyond being mandatory, having insurance provides peace of mind to drivers. Unfortunately, accidents can and do happen. When you know that you’re financially protected, it helps save some of the stress from an already tense situation.
Barbados Motor Insurance
At General Accident, we offer two types of motor insurance policies for Barbadian drivers: Third Party and Comprehensive. Without insurance, not only are you in direct violation of the law, but you’re also liable for all damages to others and their property which may total thousands of dollars.
Depending on the level of protection you’re looking for, we can help you determine which plan is right for you. Here’s a brief overview of each and what they offer:
- Third Party Insurance: Our Third Party insurance option provides coverage for any injury or damage you may have caused to another person and their vehicle or property. It’s important to note that this policy does not provide additional coverage for damage to your own property, including your vehicle, or bodily injury to yourself.
Our Third Party policy is an affordable option that, at the very least, helps keep other drivers protected if an at-fault collision happens. While it is our cheapest car insurance, the Third Party policy does not include any of the extra benefits offered by our Comprehensive Insurance plan.
In Barbados, Third Party insurance will suffice as the legally required minimum coverage for motor vehicles.
- Comprehensive Insurance: This insurance option is more expensive but provides coverage for yourself and your vehicle in addition to everything our Third Party policy offers. With a General Accident Comprehensive plan, you and your vehicle, as well as other drivers and their property, are covered.
Third Party Only
Comprehensive
COMPREHENSIVE COVERAGE BENEFITS
General Accident Comprehensive Insurance policyholders enjoy a selection of added benefits on top of the baseline protections that are offered.
When you choose our Comprehensive policy, you get access to:
Replacement Vehicle Hire
Your policy automatically provides a hired vehicle of a similar type for a period of 7 days if your vehicle cannot be driven because of a collision. If you wish, you can pay an additional premium to extend coverage to 28 days.
Windscreen Damage
This coverage allows you to claim for a broken windscreen or window glass, up to a maximum of two claims in one policy period. Your existing No Claim Discount will not be affected by any windscreen damage claims made.
Medical Expenses
The policy will cover medical expenses for the Insured or any Authorized Driver, up to a limit specified in your policy schedule in the case of an accident.
Legal Charges (Manslaughter)
Vehicular manslaughter is every driver’s worst nightmare. However, if it does happen, your policy provides a maximum of $100,000.00 to defend against charges.
Personal Accident
This provides coverage for the Insured and Passengers of the vehicle for personal injury resulting in death or permanent injuries.
Clothing & Personal Effects
In the event of an incident, coverage is provided for loss of or damage to clothing and personal effects* whilst in the vehicle, up to a limit specified in your policy schedule. (*excludes money, jewellery and articles including motor accessories and samples carried in connection with any trade or business)
Flood & Special Perils
Coverage is extended to include damage caused by natural disasters and civil unrest, such as:
- Floods, hurricanes, earthquakes or other natural disasters.
- Civil war, strike, riot and civil commotion.
The cost of car insurance in Barbados
The cost of auto insurance can vary greatly depending on the type of coverage you want or need. Typically, the more protections against accidental damage, bodily injury and liability coverage that a policy offers, the more you can expect to pay.
That said, there are a number of factors that affect a driver’s insurance premium amount. For an accurate estimate of what you can expect to pay, request a free quote today.
In general, however, here are a few things to keep in mind regarding insurance amounts:
- Third party only insurance is generally the most basic and affordable option.
- Comprehensive insurance generally offers the most protections and is, therefore, the most expensive.
Accident Claims
When an accident happens, it can be jarring and difficult to remember what you should collect for your insurance claim. With General Accident, reporting a claim is easy. To make the process even smoother, be sure to collect the following at the scene of the collision:
- An accident report.
- Photos of the incident including your vehicle, the other person’s vehicle and any damaged property.
- Names and contact information of those involved and eyewitnesses.
For additional information on what you should do in the event of an accident, see here.
When you’re ready to file a claim, make sure you have the following information ready:
- Your policy number.
- The date of the incident.
- Your registration number.
- The location of the accident.
Is Roadside Assistance Included With Motor Insurance
- An accident report.
- Photos of the incident including your vehicle, the other person’s vehicle and any damaged property.
- Names and contact information of those involved and eyewitnesses.
For additional information on what you should do in the event of an accident, see here.
When you’re ready to file a claim, make sure you have the following information ready:
- Your policy number.
- The date of the incident.
- Your registration number.
- The location of the accident.
Report a Quick Quote
Need motor insurance? Submit a Quick Quote by filling out a short form and receiving private vehicle insurance policy rates in Barbados.
Simply tell us a bit about you and your vehicle, and we’ll provide a premium estimate based on your situation — it’s that easy.
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