The Angel Advantage Motor Policy is specifically designed and tailored to recognize the good driving record of female drivers. This special policy offers more attractive policy benefits and terms and conditions to female drivers, and is subject to the following criteria:
- Applicable only to Private Motor Comprehensive Coverage.
- The insured must own the vehicle and be the principal driver of the vehicle.
- The insured must be at least 24 years and have been actively driving and held a full drivers license for at least 2 years.
- The vehicle must be used solely for social, domestic and pleasure purposes at all times.
- Special conditions may apply for "reconditioned" vehicles
- Standard policy deductibles and conditions will apply if a claim is caused by someone other than the insured driving the vehicle.
- Catastrophe/perils - hurricane, storm, earthquake, flood
- Riot, strike and civil commotion
- Accidental damage
- Fire and theft
- Third party liability
- Legal defense costs
- Windscreen coverage - up to EC$3,000
- Medical expenses benefit - up to EC$1,000
- Protected no claims discount after 5 consecutive claims free years. No penalty for the first 2 accidents if the claim are less than EC$20,000 each.
- Replacement of a new vehicle if there is a total loss in first year
- Wrecker fees - up to EC$1,000
- Personal effects lost or damaged due to an insured peril - EC$250
- Special discount on any other type of policy purchased by the insured
- Increased windscreen coverage - up to EC$5,000
- Personal accident benefit - up to EC$30,000
- Temporary replacement vehicle up to 9 days - maximum EC$175 per day