Choosing your Motor Insurance Provider

Motoring accidents are pretty rare on Cayman, but we all know they can happen, and when they do, it can be very stressful – especially if your motor vehicle is your pride and joy. We put your needs first, and make it as easy as possible to find the right type of motor vehicle insurance for you, at the right price.

Insurance Options

Compulsory Third Party Only

ONLY provides cover for your legal liability to third party property and persons. Loss or damage to your motor vehicle is NOT covered. Provides the minimum protection as required by law.

Legal liability for damage to other person’s property

This covers your legal liability to pay damages and/or claimants costs and expenses that may be awarded against:

  1. any insured person arising out of the use of your motor vehicle
  2. any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
  3. you whilst you are driving a private motor vehicle with the owner’s consent that does not belong to you and is not hired to you under a hire purchase agreement.

Legal liability for death or bodily injury to other persons

This covers your legal liability to pay damages and/or claimants costs and expenses that may be awarded against:

  1. any insured person arising out of the use of your motor vehicle
  2. any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
  3. you whilst you are driving a private motor vehicle with the owner’s consent that does not belong to you and is not hired to you under a hire purchase agreement.

Reasonable legal costs and expenses

This covers your legal liability to pay damages and/or claimants costs and expenses that may be awarded against:

  1. any insured person arising out of the use of your motor vehicle
  2. any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
  3. you whilst you are driving a private motor vehicle with the owner’s consent that does not belong to you and is not hired to you under a hire purchase agreement.

First Response (in Grand Cayman only)

This covers on-location support at the scene of an accident and continues throughout the repair and claims process.

Roadside Assistance (in Grand Cayman only)

This covers you 24 hours a day, 7 days a week where your motor vehicle requires
any of the following:

  1. Changing of flat tyres
  2. A “jump” start should your motor vehicle become disabled
  3. Towing should your motor vehicle become disabled
  4. Emergency fuel delivery for your motor vehicle

Trailers (optional cover with small additional premium)

This covers your legal liability for damage to other person’s property, or for death or bodily injury to those persons, arising out of the use of your motor vehicle whilst it is towing a trailer.

Comprehensive

Covers loss or damage to your motor vehicle AND your legal liability to third party property and persons.  Provides all the cover under Compulsory Third Party Only plus:

Loss of, or damage to, your motor vehicle

This covers the cost of repair or replacement following loss of, or damage to, your motor vehicle and accessories, tools or spare parts related to your motor vehicle when on or in your motor vehicle.

Damage to your motor vehicle by an uninsured motorist

This covers the cost of repair or replacement for damage to your motor vehicle by the owner or driver of an uninsured motor vehicle who is at fault for an accident involving your motor vehicle.

Breakage of glass

This covers the cost of repair or replacement of the glass in the windscreen, windows or sun-roof of your motor vehicle and the cost of repairing resultant scratching of the exterior bodywork surfaces of your motor vehicle following breakage by any cause.

Towing and delivery charges

This covers the reasonable cost of protection and removal to the nearest repairer if your motor vehicle is disabled.

Bodily injury

This covers accidental injury that results in:

  1. death or
  2. total and permanent loss of sight in one or both eyes or
  3. total loss by physical severance, or total and permanent loss of use, of one or both hands or feet.

Personal possessions

This covers loss of, or damage to, any personal items whilst in or on your motor vehicle.

Loss of use benefit

This covers the use of a rental vehicle, if your motor vehicle is unable to be driven.

Replacing door locks/keys

This covers the cost of replacing ignition keys, locks or locking mechanisms, alarm or immobiliser for your motor vehicle if your ignition keys for your motor vehicle are lost or stolen.

New motor vehicle replacement

This covers the cost of replacing your motor vehicle with a new one of the same (or similar) make, model and specification subject to availability if your motor vehicle is beyond economical repair, or is stolen and not recovered.

Pet injury

This covers reasonable and customary veterinary fees incurred by you if your pet suffers accidental injury or death while your pet is travelling in your motor vehicle or if your pet is inside the motor vehicle at the time of a theft and your pet is not recovered.

No-Claim Discount Protection (optional with small additional premium)

This covers you for 1 “at fault” claim per policy period without your No-Claim Discount being affected.

Incorrect fueling

This covers the cost of either draining or flushing you motor vehicle or recovering it to the nearest repairer if you fill it with the wrong type of fuel accidentally.

First Response

First Response

If you’re in a car accident, you’ll want to be covered by Cayman First. We’re the only insurer in the country to offer on-site accident assistance to all of our motor insurance customers – and it’s free of charge, available 365 days a year.

Call First Response and they’ll quickly be on the scene to make sure everything runs smoothly, by taking photos, facilitating information exchange, and initiating the claims process.

Call our service on 94-FIRST (34778)

In the event of an
incident, just call our
First Response service
on 94F-IRST (943-4778)

Request A Quote

We can provide insurance products for homes, automobiles, boats, aircraft and more. We are also able to cover your business with standard and specialty coverage solutions such Business Interruption, Professional Indemnity or Bonds.