FAQs

Burst pipes are covered under our normal household policy

Yes, acts of God are covered unless you have insured for limited perils only

There are no age limits

Our pricing rewards those risks which are built to a high construction standard and/or incorporate positive risk features such as hurricane shutters

Some excesses are compulsory (e.g. 2% for natural catastrophes) but others are voluntary, please ask our underwriters for discounts available for voluntary deductibles

Contents can be insured by you for a home that you rent in part or whole

We can provide cover for rented accommodation and second homes

Discounts are available for positive risk features, please talk to our underwriters

We can give advice to minimise the risk of loss or damage, please talk to our underwriters or see our hurricane preparedness guide

Proximity to the sea is not an issue for us providing the height elevation is above 5m

Our home cover has an automatic limit of XCD250,000 included, if you would like to increase this please talk to one of our underwriters for a quote

Outbuildings declared and named on the policy schedule are covered

Vandalism is covered

Your home can be unoccupied for up to 41 days without impacting your cover

It is important to insure for replacement value and not market value. That is the cost you would incurr in rebuilding your home and replacing contents

Electronic equipment named on the policy schedule is covered

We offer indemnity and new for old insurance

We can move your policy when you move house however a new proposal form will be required

Our standard household ploicy does cover the cost of limited alternative accommodation/ hotel costs

Our motor policies automatically include cover for you and your vehicle in the event you are hit by an uninsured driver

We offer generous no claims discounts and we can also protect these for you

If you drive a vehicle that you are responsible for but do not own then you cannot arrange cover for this risk

We issue cover notes in our office for immediate use

We offer a protected No Claims Discount which is included as an optional extra when buying motor insurance. Please advise that you require this policy extension when completing the Motor Insurance Application Form

Yes, additional drivers can be added (maximum 3) but may be subject to an additional premium if under aged or inexperienced drivers. Please complete and submit the relevant section of the Motor Insurance Application Form

Yes, if you request a new motor insurance certificate we will prepare one for your collection from our offices, there may be a small fee

Yes, if you request a letter confirming your No Claims Discount we will prepare one for you to collect from our offices

All of our motor insurance covers standard vehicles only unless we are advised otherwise

We do not insure motorcycles

We insure vans and minibuses

We only insure vehicles that are verified as roadworthy and safe

If your policy is elegible, TDC car rental are the approved car rental company

We insure the cost of roadside assistance following an accident but we do not provide a roadside assistance service

We can issue short period cover in certain circumstances

No, our motor policies are for cars on St Kitts and Nevis only

Our Motor Insurance policies permit named drivers to drive other cars but cover is limited to third party liability only (see policy terms and conditions)

Yes, No Claims Discount from other insurers are generally accepted by us to obtain our No Claims Discounts

Please complete and submit the relevant section of the Motor Insurance Application Form and notify us of your request to add another driver

Yes, please write to us advising the named driver you wish to remove and we will remove them and if applicable make a return of premium

Your quotation is valid for 14 days from the date of issue

This depends upon whether you have protected your NCB, if you have you may not lose any

Yes, please notify us of the change of vehicle which may be subject to an additional premium

You need to obtain a local license from vehicle licensing to drive in St Kitts. We will accept OECS licenses as valid

Motoring convictions may effect your permium

You can suggest the garage of your choice

If you have a named driver policy, then your spouse would have to be named. If you have an open cover policy, then your spouse would be covered providing that you authorise them

If you insure multiple vehicles, then discounts are available