Damage to motor vehicles is not covered by a homeowner’s policy. Hurricane damage, including flooding damage, will be covered by your automobile insurance, provided your policy has ''comprehensive'' coverage.

Homeowners rates usually won't go up following a single hurricane. Rates are based on property insurance payments within the territory over the past several years, plus an amount held in reserve for a hurricane or other catastrophic event. Rates usually will be increased only after a series of large catastrophic loses that depleted this reserve. A homeowner's policy is not likely to be cancelled solely because of a hurricane. Companies could decide against continuing a policy if there were hazards on the property that aggravated the damages, such as dead trees or a faulty roof, and if there had been other losses on the policy in recent years.

If the insured vehicle is out of use as a result of loss or damage insured under the policy we will indemnify you in respect of the necessary daily hiring charges incurred in obtaining a temporary replacement car from any recognized self drive hire operator.   Subject to the policy terms and conditions.

The comprehensive policy automatically  provides up to $3,000.00 coverage for accidental damage to glass and windscreen of the insured vehicle, with no applicable excess. If the insured wishes he/she can increase that amount to $5,000.00 and pay the appropriate additional premium.

If you and/or your spouse are injured while traveling in or getting into or out of any motor car we will pay to you or your legal representatives the compensation as specified in the policy.

The amount by which the insurer and insured agrees to insure the vehicle, without the deduction of depreciation should the vehicle be involved in an accident during the policy period. Should the vehicle be involved in an accident and the vehicle is considered a constructive total loss, the insurer would pay the insured value at the start of the current policy period.

The first part of the loss which must be borne by the insured

A discount an insurer agrees to provide the insured for that insured’s claim free driving experience.  The no claim discount increases for every year the insured does have a claim.  The maximum no claim discount one can enjoy is normally 60%.

1. Immediately report all these incidents to the police and the Fire service, in case of fire.
2. Where a crime has been committed do not tamper with any potential evidence before the arrival of the police
3. Take photos where possible to show entry, exit and damage
4. Contact our Claims Department or your broker representative as soon as possible List all damage / loss to building and contents.
5. Locate and secure you insurance policy and any other personal contractual documents.

1. Take photos of damage
2. Secure premises with board, tarpaulins etc. to prevent further loss or damage to building and contents
3. Keep all invoices and receipts for sums spent in securing the premises
4. Contact our Claims Department or your broker representative as soon as possible for guidance
5. Clean up debris Salvage as much as possible.
6. Dry out electrical items, clothing etc.
7. If necessary, use a generator to run essential electrical appliances e.g. freezers
8. If the premises are rendered uninhabitable, seek reasonably priced temporary alternative accommodation. There is some coverage under your policy.