Private Vehicles

PRIVATE VEHICLES

Our Private Car Policy provides cover for cars, sport utility vehicles and pick-ups used only for social domestic and pleasure purposes.

All our policyholders can drive with the assurance of knowing that in the case of breakdown, they can contact our Free Emergency Roadside Assistance at (246) 829-8400.

Other Roadside Assistance services include:

• Emergency Battery Booster
• Emergency Flat Tyre Assistance
• Emergency Refuel Service (Cost of Fuel Paid by Client)
• Emergency Locksmith Service (Fee Paid by Client)

Types of Motor Insurance Coverage

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  Third Party Insurance

  Provides coverage for your liability for bodily injury to third parties and damage to third party property arising out of the use of your motor vehicle. No cover is provided for damage to your vehicle.

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  Comprehensive Insurance

  Provides all the coverage of Third-Party Insurance, plus additional cover for loss of or damage to your vehicle, accessories and spare parts while on the vehicle plus the cost of wrecking/towing services.

With our Comprehensive coverage, you can enjoy these Free Benefits:

Replacement Vehicle Hire

Your policy automatically provides a hired vehicle of 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 2 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 this nightmare ever becomes a reality, 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, whether it be a collision, fire or theft, 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:

• Flood, Hurricane, Earthquake, or other convulsion of nature
• Civil War, Strike, Riot and Civil Commotion