Third Party Coverage

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:

Private Motor


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.


Roadside Assistance

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.

Motor 5 R's Conditions


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.


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.


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.


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.


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.

Commercial Motor Insurance

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.

Contractor's Equipment

Covers damages against risk of Fire and other perils, accidental damages, and Third Party Liability.

Contact Us:

Head Office

Tel: 268-481-7800/1/2/3/4

Fax: 481-7860

Satellite Office

Tel: 268-481-7880

Fax: 481-7870

Barbuda Office

Tel: 268-727-7422 / 268-729-7422


Our Locations:

Head Office

P.O. Box 290

Redcliffe Street

St John's, Antigua

Satellite Office

South Mall

Ebenezer, Antigua

Barbuda Office

River Road

Madison Square

Codrington, Barbuda

Opening Hours:



Staff Login

Follow Us On: