Under the law, the Certificate of insurance is required as proof of the existence of insurance. It must be returned if the policy is suspended or cancelled. If it is lost, you should advise us immediately.
Under the Motor Vehicles Insurance (Third Party Risks) act of 1941, a minimum level of insurance is compulsory if you intend to operate a vehicle on the Jamaican roads. Being caught driving a vehicle that is not insured is an offence. In addition, it is your best interest to ensure that whether through someone else’s fault or yours an accident or loss does not cause you financial hardship. Insuring your vehicle is a means of protecting yourself
If you negligently cause injury to or damage the property of other motorists, pedestrians, passengers, etc., you will have a legal liability. Third Party Insurance relieves you of this liability by paying these claims on your behalf.
An insurance policy is a contract between you and an insurance company, in which we promise to take over the financial costs of certain risks. The policy describes the item(s) covered, the risks you are covered against and specifies your rights and responsibilities, along with the terms and limits of the cover. We cannot stop those risks from occurring, but we can help to pay for them when they do
This is a discount that you can earn for not making claims under your policy. Provided you do not claim on your policy this discount will increase at each renewal up to a maximum of 60% after five (5) years. If a claim is made, your discount will be reduced, but can be reinstated if it is proven that you were not at fault, and we are able to recover your losses from the third party’s insurer