Third party covers the insured's Legal Liability to a third party.
Includes protection of the insured against Legal Liability for loss or damage as follows:
Provides inclusive protection against the loss or damage of the motor vehicle itself due to accidents as well as driver coverage in terms of associated legal liabilities against death, bodily injuries and/or damages to other people’s properties.
It’s almost inevitable getting car trouble - so you do what you can to avoid it. However, if your car decides to take a nap, consider taking advantage of our AUTOPLUS Roadside Assistance program.What's included?
Roadside Assistance exists for your peace of mind. Once you purchase an Auto policy with us, the service is available Mon – Fri 7:00 AM to 6:00 PM and on Sat 8:00 AM to 4:00 PM. Call 481-7888 at any time during the operational hours. Our representative will be dispatched to professionally assist you with the following:
Towing — whenever your vehicle is in an accident and it cannot be driven, we can arrange for it to be towed from the scene to anywhere on the Island.
Flat Tire Change — No need to panic if you have a flat. Our professional can put the spare tire on your vehicle and have you back on the road in quick time.
Battery Jump-Start — Call us if your battery fails. Service will be right at the scene to help you get on your way.
Emergency Fuel and Fluid Delivery — If your vehicle overheats or runs out of fuel, you can have the required fuel or fluids delivered directly to your vehicle. Your comfort is our concern and you pay only for the cost of the fuel or fluids. Delivery and service is Free.
Locksmith Service —Keys lost, stolen or accidentally locked inside your vehicle? We can arrange for qualified personnel to render assistance. You pay only for the cost of the replacement keys or any other service provided by the locksmith.
If within twelve (12) months of the policy cover the vehicle is twelve (12) months old, or considered a new vehicle, and an accident occurs causing the vehicle to be a totalled, the Corporation will replace, or pay in cash the sum insured of the policy.REPAIRS TO THE MOTOR VEHICLE:
Within eighteen (18) months of the policy cover and an accident occurs giving rise to a claim for repairs the parts to be replaced would not be subject to depreciation.REINSTATEMENT OF PREMIUM:
Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim and the vehicle is rendered a total loss the un-used portion of the cover will be reinstated by the Corporation and the insured will pay the pro-rata portion of the premium to extend the cover to twelve (12) months on the reinstatement of policy cover.REINSTATEMENT OF NO CLAIM DISCOUNT:
Within twelve (12) months of the policy cover and an accident occurs giving rise to a claim whether it is repairs or total loss to the vehicle the No Claim Discount attained will be reinstated to the policy on a one (1) time basis only.REMOVAL OF VEHICLE:
If at any time during our Comprehensive motor coverage an accident occurs giving rise to a claim and the vehicle is unable to be driven, the Corporation will compensate the insured or bear the cost of towing.
If you use a taxi, minibus, HGV, truck, lorry, van or even fleet of vehicles for your business, then you will need commercial motor insurance, which is the collective name for all of these individual types of insurance cover involving vehicles used for commercial purposes.
Covers damages against risk of Fire and other perils, accidental damages, and Third Party Liability.
P.O. Box 290
St John's, Antigua