COLFIRE
offers a full range of coverage types -
Comprehensive, Third Party Fire & Theft
and Third Party. Protection is provided
to private motor vehicle owners who use
their vehicle for social, business and
domestic purposes. Commercial vehicles
which are used for own goods carriage
only also enjoy these covers.
The Private Motor Vehicle Policy
Basic
Scope of Cover
The Company will indemnify the Insured
against loss or damage to the motor
vehicle and its accessories and spare
parts whilst thereon by accidental
collision or overturning, fire or theft,
malicious act or whilst in transit (this
would be usually by road but would
include sea between any ports in
Trinidad & Tobago). The cost of
protection and removal of the disabled
vehicle is also covered up to the
monetary limit of the policy.
Additional Benefits
A
comprehensive private motor policy
provides the following additional
benefits without any additional premium:
(a)
damage to garage by fire
(b) medical expenses incurred in respect
of occupants in the vehicle following
accident
(c) personal accident cover to
insured/spouse
(d) clothing and personal effects
There are
monetary limits to these benefits.
The insured under a private motor
vehicle policy may also obtain the
following benefits for additional
premiums:
(1) flood, hurricane, earthquake,
volcanic eruption, riot and strike
(2) windscreen breakage
Windscreen breakage claims as an
additional benefit or extension are not
subject to any excess and the insured’s
no claim discount is not affected.
The above
explanations give a summary of the type
of cover available. For full details,
including the exclusions and conditions
that apply, please contact us at any of
our offices. |
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Products |
| COLFIRE
prides itself in its innovation of
designing niche motor insurance
discounts and plans, which offer
specific benefits in its premium
calculations and reward in lower
excesses and protection of the Safe
Driver Discount (No Claim Discount).
We are
prepared to offer a special discount to
you with any motor policy taken out or
renewed. The following is a list of the
other possibilities: |
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THE FEMALE DRIVERS PLAN
This plan offers female drivers
and vehicle owners premium
discount of up to 20%. The
excesses for accidental damages
are approximately 25% lower than
the normal excesses. |
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THE 20K
ADVANTAGE
This 20% discount is offered to
drivers who work within 20
kilometers of their home and who
do not use their vehicles to
conduct business. Eligibility
for this discount can be
verified on our computer system. |
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SAFE DRIVER DISCOUNT
COLFIRE has replaced the
traditional No Claim Discount
(NCD) with the Safe Driver
Discount (SDD) which rewards
drivers for safe driving. This
discount is increased for each
year of safe driving and is
never lost all at once. A claim
made during any policy year will
only result in the driver
stepping back to his previous
level. No premium payment is
necessary for the discount one
has earned over the years. Our
SDD is as high as 65%. |
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BABY ON BOARD
We believe that people drive
better when they have a baby in
the car, that's why we are
giving a COLFIRE Baby on Board
motor discount. Once the insured
is a parent or guardian of a
baby under four years, then
he/she can receive up to 20%
motor premium discounts. |
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FIRST EXPERIENCE DRIVER'S PLAN - (for young
drivers)
COLFIRE has devised a plan for
drivers under 25 years or
persons who have been driving
for less than 2 years. Once the
young driver has successfully
completed a defensive driving
program they qualify for Reduced
Excesses, No Young Driver Loadings,
Discounts off the insured's
Insurance Coverage and
Accumulation of their own Safe
Driver Discount. |
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easidrive - (Enhanced Auto
Saving Insurance)
After a
collision, easidrive gives you
peace of mind and an easy road
to getting your car back.
easidrive is comprised of three
(3) benefits to your motor
policy that can be purchased
individually or in any
combination.
Benefits:
1. Excess Free
2. Alternative Transport
Allowance
3. Anti.-Depreciation (For
vehicles up to five (5) years
after date of manufacture)
Put your mind to ease with
easidrive and drive easy when
you're on the road. |
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NONE FOR THE ROAD
Only
one General Insurance Company
encourages you to have... None
For The Road.
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Do you drink alcoholic
beverages?
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Does your spouse drink
alcoholic beverages?
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Does any named driver drink
alcoholic beverages?
If
you answer 'NO' to all
of these questions,
get great rewards on your
motor insurance premium at
COLFIRE. |
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Discounts |
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20% |
The 20K Advantage
Baby On Board (Comprehensive
Only)
Republic Credit Card
The Female Drivers’ Plan |
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15% |
CLICO Policy Holder
COLFIRE Policyholders
First Experience Drivers’ Plan
(Comprehensive)
C L Financial Staff Advantage
Card |
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10% |
Trinidad & Tobago Automobile
Association (TAA)
Public Services Association (PSA)
Baby on Board (Third Party or
Third Party, Fire & Theft)
The Female Drivers’ Discount
(Third Party or Third Party,
Fire & Theft or Joint Insured)
First Experience Drivers’ Plan
(Third Party or Third Party,
Fire & Theft)
None for the Road |
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ANTI THEFT DEVICES |
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Multi Lock/Budi-Lock |
10% |
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The Immobiliser |
10% |
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Clifford |
10%
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Viper |
10% |
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IT 3 |
10%
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Prestige Platinum |
10%
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Real Pro 313
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10%
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Clarion Pro Security
S100 |
10%
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236 Rli/ Remote Alarm
Immobilizer Anti Hijack |
10% |
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211 Hi/ Anti Hijack
System |
10% |
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438 Thi/ Touch Key
Immobilizer Anti Hijack |
10% |
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288 Rli/ Remote Start
Alarm Immobilizer Anti
Hijack
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10% |
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Factory/Manufacturer
Installed Alarms
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10% |
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Car
Search (Alert) |
10% |
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Car
Search (Alert & Retrieve) |
15% |
* Proof of activation
required before discount is
allowed. |
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Personal
Lines - Motor 
