Motor Insurance
Choosing Your Motor Insurance Policy
We understand the importance of protecting your vehicle, as well as the safety of your family and friends who may travel with you. In the unfortunate event of an accident, you need coverage for those inside and outside your vehicle, as well as for other vehicles or property that may be damaged.
Our motor insurance policies are designed to protect you and your vehicle during an accident. Additionally, they provide coverage for damage or injuries caused by anyone driving your vehicle with your consent.
Third Party Motor Insurance
This policy offers the basic insurance protection needed to legally drive your vehicle on public roads. It covers your legal responsibility for injury or death caused to passengers or pedestrians in an accident. You'll also have coverage for damage to other vehicles involved, as well as any third-party property.
You are further protected when driving another person’s private vehicle with their permission, against third-party risks.
Comprehensive Motor Insurance
This policy offers the highest level of protection for both you and your vehicle. In addition to the benefits of Third Party insurance, it covers accidental damage to your vehicle, including damages from collisions or vandalism.
Additional coverage under this policy includes:
- Hurricane Coverage: Protection against natural disasters like hurricanes, earthquakes, windstorms, and floods.
- Windshield Damage: Coverage for loss or damage to your vehicle’s windscreen or windows without affecting your No Claims Discount (NCD).
- Personal Item Coverage: Basic protection for personal items in your vehicle in case they are lost or damaged in an accident.
- Passenger Liability: Coverage for liability in case of passenger injury or death in your vehicle.
- Medical Insurance: Helps with minor medical expenses, including hospital and physician bills, up to a specified limit.
- Personal Accident Benefit: Covers personal injuries to the insured driver, up to a specified amount.
- Loss of Use: Provides access to a rental vehicle while your car is being repaired after an accident.
Total Loss Coverage
This policy bridges the gap between Third Party and Comprehensive coverage, providing protection when your vehicle is deemed a "Total Loss" (where repair costs exceed the vehicle’s value). However, it does not cover partial damages when the vehicle is repairable.
This coverage is ideal for vehicles where parts are not readily available locally.
Commercial Auto & Fleet Insurance
This policy provides coverage to protect your company's vehicles and business against liability. Whether your business operates a single vehicle or an entire fleet, we offer flexible insurance options to meet your needs. This policy covers various types of vehicles including trucks, trailers, vans, and more.
Our insurance also covers “passenger-carrying vehicles” such as rental cars, taxis, and tour vehicles. In case of a serious accident, we ensure that your business is protected from potential lawsuits.
What to Do After a Motor Accident?
If you are involved in a motor accident, follow these steps:
- Check for injuries and call the police (and ambulance if needed).
- Take photos of the accident scene.
- Gather information from witnesses, including their names and addresses.
- Note the name and number of the responding police officer.
- Obtain details of the other vehicle(s) involved (license plate, make, model, color, driver’s name, contact information, and insurance company).
- Do not agree to repair any third-party vehicles; direct them to your insurance provider.
- If your vehicle is undrivable, have it towed to your home, as towing companies may charge storage fees.
- As soon as possible, visit your insurance agent with your driver’s license to complete an accident report.
- Get at least two repair estimates for your vehicle.
We're Award Winning Insurance Company
This information provides a general overview of the types of coverage available. For more specific details and policy terms, please consult with one of our authorized insurance representatives and review your insurance contract.
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