Third Party insurance covers the insured or any
driver of your vehicle against liability for death or
injuries you may inflict on other road users as a
result of a motor vehicle accident for which you
or the drivers of your vehicle are at fault. In addition,
it covers third party property damage and third party
bodily injury.
Comprehensive insurance cover compensates the
insured for accidental damage to the insured’s
vehicle, loss or damage occasioned by perils such as:
fire, lightning, explosion, and malicious damage. It also
covers loss by theft or damage resulting from
attempted theft.
For an additional premium, you can also add the
following:
•
Hurricane & Earthquake which covers your
vehicle against damages caused by a hurricane
or earthquake.
•
Windscreen Damage which covers the
windscreen for damages outside of a collision.
For example,if something falls out of a tree and
breaks your windscreen.
Note: A windscreen damage claim does not af-
fect your No Claims Discount (NCD).
•
Passenger Liability which covers your
passengers for bodily injury or death as
a result of a vehicular accident, as prescribed by
policy.
•
Riot & Strike which covers your vehicle against
damages caused by a riot or strike.
You will need:
•
An invoice from the dealership/individual
seller
•
A valid driver’s licence
•
A signed and certified change of ownership
form (for used vehicles)
•
Customs documents (if purchased overseas)
Insurance on your house is necessary because it:
•
provides security by protecting you and your
financial investment
•
assists in rebuilding or repairing after
unexpected loss
•
provides liability protection for you in the
event of an accident
You will need:
•
A property valuation so that the sum insured
can be determined
•
The details of construction (e.g., Walls, roof,
windows)
•
Personal identification (e.g., Passport,
driver's licence)
•
Proof of ownership
Fire, Hurricane, Earthquake
and other perils on:
•
Private homes (wood, concrete, wood
& concrete)
•
Building construction
•
Commercial buildings
•
Furniture, equipment, stock,
plant and machinery
Homeowner's Comprehensive Cover on:
•
Private homes
•
Apartments & rented/leased homes
Householder's Comprehensive Cover on:
•
Furniture & appliances
A listing of furniture, appliances, equipment
and other personal effects showing the serial
numbers applicable, and invoices or receipts
where possible.