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.

A comprehensive private motor policy provides the following additional benefits without any additional premium

1. damage to garage by fire
2. medical expenses incurred in respect of occupants in the vehicle following accident
3. personal accident cover to insured/spouse
4. clothing and personal effects

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.

Customers are entitled to their Safe Driver Discount and a maximum of three (3) discounts they qualify for:

Proof of activation required before discount is allowed.