Motor Insurance

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MOTOR INSURANCE

Your vehicle is a valuable asset, which we know you have worked hard to attain. No matter how careful we are, accidents can and do happen. General Accident offers a range of motor policies that provide protection against the costs of the collision, overturning, fire, theft and malicious damage and insure you against any legal liability to third parties.

Types of Motor Insurance Coverage

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.
Third Party, Fire & Theft Insurance – Provides all the coverage of a third-party policy, plus additional cover for your vehicle in the event of a theft or a fire.
Comprehensive Insurance - Provides all the coverage of a Third-Party Fire and Theft Policy, 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.

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 Emergency Roadside Assistance at (868) 866-7777 for the removal of their vehicle to a safe and secured location.

Other Roadside Assistance services include:

24-Hour Toll-Free Helpline
Courtesy Transport Service
Emergency Battery Booster
Emergency Flat Tyre Assistance
Emergency Refuel Service
Emergency Locksmith Service

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

Windscreen Damage

This coverage allows you to claim for a broken windscreen or window glass up to $2,500.00. 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.

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

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.

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 nightmare ever becomes a reality, your policy provides a maximum of $10,000.00 to defend against charges.

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

- Ambulatory Services

- In-patient services for the following:
  - Emergency Surgery
  - Anaesthesia
  - Intensive Care
  - Room and Board
  - Miscellaneous Hospital Expenses

You can also take advantage of these extra benefits:

Loss of Use

For an additional cost, you can be entitled to a maximum of $250.00 per day for a maximum of 10 days if your car is laid up as a result of an accident.

Waiver of Excess

The excess is the amount that you must pay before your vehicle is repaired after an accident, whether you are at fault or not. With the waiver of the excess benefit, no excess will be payable if you or your spouse are involved in an accident

Commercial Own Goods

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

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

Other Roadside Assistance services include:

24-Hour Toll Free Helpline
Courtesy Transport Service
Emergency Battery Booster
Emergency Flat Tyre Assistance
Emergency Refuel Service
Emergency Locksmith Service

(Towing services are not available for trucks over 3 tons, maxi taxis and wreckers)

Also available for our comprehensive coverage policies:

Flood & Special Perils (FREE)

Coverage is extended to include damage caused by:

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

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.

Other Roadside Assistance services include:

24-Hour Toll Free Helpline
Courtesy Transport Service
Emergency Battery Booster
Emergency Flat Tyre Assistance
Emergency Refuel Service
Emergency Locksmith Service

(Towing services are not available for trucks over 3 tons, maxi taxis and wreckers)