General Insurance

If you are responsible for, cause injury to or damage the property of a motorist, pedestrian, passenger, etc., you are legally responsible for the accident or injury. Third Party car insurance removes the responsibility from you by paying these claims, on your behalf, up to the legal limit of your policy. Third Party car insurance does not insure you against loss or damage by collision, fire, theft or any malicious acts. 

An excess clause means that the insured must pay the first portion of any loss. This can be stated as a sum of money, for example $1,500.00 OR it can be stated as a percentage of the loss for example – 5%. A deductible means exactly the same thing as excess. 

This is a discount that you can earn for not making claims under your policy. Once you do not make any claims your discount will continue increasing each time you renew. You can get as much as 65% OFF your premium after five (5) years. 

I know that the Emergency Roadside Assistance (ERA) is available 24/7, 365 days a year. How often can I use this service? 

You have access to 3 ‘call outs’ during any one period of coverage. You can reinstate the service once the fee is paid. 

Homeowners’ Insurance covers the loss or damage to your home due to – fire, hurricane, earthquake, windstorm, flood, impact, burst pipes etc. It also covers your responsibility in any incident involving a third party. 

• Original claim form signed by the owner/s (with company stamp if a company car.) 
• Copy of driver’s permit or ID (updated Certified Copy) 
• Copy of driver’s permit or ID of person on Third Party Insurance Certificate 

• Copy of driver’s permit of person who was driving third party vehicle 
• Estimate for damages 
• Letter from TP’s Insurance Company stating terms of insurance 
• Certificate of Insurance 
• Vehicle’s Certified Copy of Ownership 
• Vehicle Inspection (if vehicle can be driven) 

• Original claim form signed by Company 
• Proof of Identification 
• ID, Driver’s Permit for Owners of Property 
• Estimate for damages 
• Any 2 of the following: WASA bill, Deed, Land & Building Tax Receipt (Original) 
• VAT Certificate 
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You cannot use your Shares for premium payments however you can utilize funds from your Ordinary Deposit account. 

You cannot use your Shares for premium payments however you can utilize funds from your Ordinary Deposit account.