It depends on the policy cover you have bought. Ask us if you don’t know.

• General Accident offers a Loss of use optional benefit that provides an allowance for alternative transport for a specific period of time.
• If you are uncertain if your policy covers loss of use, ask us when you report your claim.

This depends on many different factors and it is true the process can be longer than you would like. Claims are usually settled within ten (10) working days upon receipt of the Adjuster’s Report provided that the incident does not require any additional investigations.

• For Comprehensive Policies, we can proceed with settlement from your policy and recover from the Third Party’s Insurer. When claiming from your policy, the policy excess will be payable by you and recoverable from the Third Party’s Insurer.
• For Third Party Policies, you will need to make a claim to the Third Party’s Insurer. We will issue a coverage letter which must be submitted together with an estimate, VAT Letter, Certified Copy of Ownership, Driver’s Permit and ID.

To start an accident report, begin by gathering basic factual information like the date, time, and precise location of the incident. Immediately following this, document the names and roles of all individuals involved, including witnesses, and list any injuries or damages that occurred.

Third party insurance covers damage to other people’s vehicles or property, but not your own. Comprehensive insurance includes third party coverage plus protection for your own car, including theft, fire, and accidents.

No, they’re not the same: Third Party is basic coverage it only pays for damage you cause to other people’s property or injuries to others. Comprehensive offers full coverage, including damage to your own car, theft, fire, vandalism, and more.

You can renew your Trinidad and Tobago driving licence online at driverslicenseservices.mowt.gov.tt, or in person by appointment.

Driving with an expired permit is a serious offense in Trinidad and Tobago.

You can verify vehicle ownership through the Ministry of Works and Transport's Vehicle Registration Verification System by entering any two of the following: license plate number, chassis number, or engine number.

Registering a vehicle involves a registration fee of TT$100 and a weighbridge fee of TT$20.

A valid form of identification (National ID Card or Passport), A valid Driver’s Permit, A valid Certificate of Insurance, The vehicle's Certified Copy.

Car insurance premiums in Trinidad and Tobago vary based on factors like the driver's age, vehicle type, coverage level, and driving history.

To get car insurance in Trinidad and Tobago, you need a valid driver’s permit, a certified copy of the vehicle’s registration, a valid form of identification and proof of address.

It includes third-party liability (covering damage you cause to others), as well as protection for your own vehicle against accidents, theft, fire, flood, vandalism, and more.

After a car accident, call 999 or 911 if there are injuries or serious damage. For minor accidents, report it to the nearest police station within 24 hours. Bring your driver’s permit, insurance, and vehicle registration. Take photos and exchange info with the other driver.

Stay calm, check for injuries, and move the vehicle if safe. Take photos, exchange contact and insurance info, and report the accident to the police. Then, contact your insurance company to file a claim with the police report and other details.

Roadside assistance typically covers emergency services like towing, jump-starts for dead batteries, flat tire changes (if you have a spare), fuel delivery, and lockout assistance.

To book a driving test in Trinidad, book an appointment online through the Ministry of Works and Transport (MOWT) portal.

A driver's license's expiration date varies by location, but most are valid for 4 to 8 years.