Owning a car provides independence and convenience beyond measure. But with this independence and convenience comes responsibility and liability to other road users.
Motor Vehicle Insurance does more than protect you and your vehicle in the event of an accident. It also covers damage or injury caused by you or someone else authorized by you driving your vehicle.
There are three major options to choose from when you are seeking Motor Vehicle Insurance:
• Comprehensive Insurance
• Third Party with Fire & Theft
• Third Party Only
Covers physical loss or damage to your motor vehicle and your liability to third parties. Primarily, protecting you in the event of accidental collision and overturning; fire, lightning, explosion; burglary, housebreaking or theft; as well as riot, civil commotion, strike and malicious damage. The additional benefits offered with this package include:
The exact cost of your yearly premium is calculated according to a number of factors including the driver's profile (including age, driving experience and loss history), as well as the vehicle's profile (including its type, use, engine size and value). Other factors, such as high performance engines, young and/or inexperienced drivers, vehicles used to transport goods or passengers and high value to unusual vehicles may increase the cost of your premium.
Covers loss or damage to your vehicle from fire, explosion, self ignition, lightning, burglary, theft or any attempted theft. As well as your liability to other persons and their property in an accidental collision. Emergency medical treatment and accidental breakage of glass are also covered under this policy. This policy does not offer collision coverage to your motor vehicle. The additional benefits offered with this package include:
Offers the minimum coverage required by law for your liability to other persons for loss or damage to their vehicle and their property in an accidental collision. Emergency medical treatment and accidental breakage of glass are also covered under this policy. It does not cover loss of or damage to your vehicle. The additional benefits offered with this package include:
J. Rampersad & Co. Limited
#185 El Socorro Road, San Juan, Trinidad and Tobago. (The 4th building on the right, just off the Churchill Roosevelt Highway).