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CAR INSURANCE TRINIDAD & TOBAGO

GET YOUR MOTOR INSURANCE QUOTE TODAY

Car insurance, or motor insurance, provides protection for more than just your vehicle. It also serves as coverage for you and anyone else who is authorized to drive your car. Depending on the type of coverage you have, insurance can provide protection for:

Liability and collision coverage, which helps cover bodily injury and medical expenses, and property damage you may cause to others, as well as legal fees.
Personal injury protection, which helps cover personal medical expenses as a result of an injury.

Help keep yourself and others protected. Get a quote today.

Third Party Only

Third Party Fire & Theft

Comprehensive

Types of Motor Insurance Policies

At General Accident Insurance, we offer three tiers of motor insurance designed to meet your unique needs and desired level of protection:

Third party only: Our most basic policy, this option provides coverage for bodily injury to third parties and damage to third-party property as the result of an accident caused in your motor vehicle. This is the minimum amount of coverage required by law to operate a motor vehicle on public roads in Trinidad & Tobago. With this option, no coverage is provided for damages to your vehicle.
Third party fire and theft: This coverage plan provides all the protections of our third-party policy plus additional coverage for a motor vehicle in the event of a theft, attempted theft or a fire.
Comprehensive insurance: Our most robust policy, this option provides all the coverage of a Third-Party Fire and Theft policy plus additional coverage for loss of or damage to your vehicle, accessories and spare parts. Our comprehensive insurance plan also covers the cost of wrecking and towing services (this is on all cover types, for comprehensive cover we offer protection and removal), should they be required at the scene of the accident.

Free Comprehensive Coverage Benefits For Private Vehicles

Windscreen Damage

This coverage allows you to claim for a broken windscreen or window glass up to $3,000.00. Your existing No Claim Discount will not be affected by any windscreen damage claims made.

If required, the windscreen limit can be increased at an additional cost.

Medical Expenses

The policy will cover medical expenses for the insured or any authorised driver, up to a limit specified in your policy schedule in the case of an accident.

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

Personal Accident

This provides coverage for the insured and passengers of the vehicle for personal injury resulting in death or permanent injuries.

Legal Charges (Manslaughter)

Vehicular manslaughter is every driver’s worst nightmare. However, if this ever becomes a reality, your policy provides a maximum of $10,000.00 to defend against charges.

*Applies only to Private individuals’ policies.

Hospitalisation Benefits

The insurance coverage under this policy is extended to include hospitalisation benefits in respect of the insured and/or spouse in connection with any bodily injury by violent accidental external means, as the direct result of an accident to the motor vehicle.

Total Maximum Benefit: $15,000

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 a breakdown, they can contact our Emergency Roadside Assistance at (868) 866-7777 for the removal of their vehicle to a safe and secured location.

COMMERCIAL OWN GOODS

Our Commercial Own Goods Motor Policy provides coverage for vehicles used to transport your own goods such as pick-ups, panel vans, trucks etc.

All our policyholders can drive with the assurance that in the case of a breakdown, they can contact our Emergency Roadside Assistance at (868) 866-7777 for the removal of their vehicle to a safe and secured location.

Towing services are not available for trucks over 2.5 tons, maxi taxis and wreckers.

Also available for our comprehensive coverage policies:

Flood & Special Perils (FREE)

Windscreen Damage

For an additional cost, this coverage will allow you to claim for a broken windscreen or window glass up to your required limit. Your existing No Claim Discount will not be affected by any windscreen damage claims made.

TAXIS & MAXI TAXIS

Our policy covers vehicles used for carrying passengers for private and public hire provided all drivers have valid Taxi Badges. No excess to be paid for this type of claim.

All taxi policyholders can drive with the assurance that in the case of a breakdown, they can contact our Emergency Roadside Assistance at (868) 866-7777 for the removal of their vehicle to a safe and secured location. Maxi Taxi policies are not eligible for roadside assistance.

Towing services are not available for trucks over 2.5 tons, maxi taxis and wreckers.

FREQUENTLY ASKED
QUESTIONS

The cost of car insurance in Trinidad & Tobago

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. It’s also the minimum amount of coverage required by law to operate a vehicle on public roads in Trinidad & Tobago.
Third party fire and theft insurance offers a few more protections and is the mid-point between third party only and comprehensive insurance.
Comprehensive insurance generally offers the most protections and is, therefore, the most expensive.

For those who have been involved in more than one at-fault accident without insurance, it may be more difficult to secure coverage, and premiums will be more expensive.

What Happens If You Don’t Have Motor Insurance and are Involved In an Accident?

Beyond facing fines for driving on public roads without the proper insurance coverage, you will be held responsible for the full cost of your vehicle repairs and medical bills after an accident.

If you’re found to be at-fault for the collision, you will also be liable for any similar costs for the driver(s) of the other vehicle(s), including repairs, medical bills, property damage and sometimes even lost wages if their injuries are severe.

Car insurance helps lessen the burden of such costs when accidents happen. Keep yourself protected, request a free Quick Quote today.

Roadside Assistance

General Accident Insurance offers roadside assistance to all General Accident Insurance customers — no matter the coverage plan (excluding maxi-taxi). To be eligible to receive 24/7 roadside assistance, ensure that your vehicle meets the following eligibility requirements:

The motor vehicle must be a car, SUV, station wagon or small pick-up.
The vehicle must not exceed TARE 2,500kgs.

Whether you’ve been involved in an accident or ran out of fuel, our service technicians are available to help with a wide variety of roadside services, including:

Towing
Flat tyre change
Locksmith services
Battery boost
Refueling
Accident registration
And more

Get a Free Quote on Car Insurance

General Accident Insurance offers quictk and easy motor insurance quotes free of charge. Explore your options today and discover how much you can expect to pay for car insurance.

Take the first step to protect yourself and others in case of an accident that causes bodily injury or property damage.

Request a Free Quick Quote and learn how General Accident Insurance can help provide the coverage you need to lawfully operate your vehicle in Trinidad & Tobago.