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:
- any insured person arising out of the use of your motor vehicle
- any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
- 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:
- any insured person arising out of the use of your motor vehicle
- any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
- 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:
- any insured person arising out of the use of your motor vehicle
- any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
- 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:
- Changing of flat tyres
- A “jump” start should your motor vehicle become disabled
- Towing should your motor vehicle become disabled
- 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.
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:
- death or
- total and permanent loss of sight in one or both eyes or
- 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.