Private Car Comprehensive Policy

1. What’s Covered

Insured Perils

Our Comprehensive Private Car Policy covers you in case of accidental collision, overturning, fire, theft, external explosion, self-ignition, and natural disasters, whether you are right or wrong in the accident. It also covers you for damage to third party property or for injuries to third parties, in case you are wrong in the accident. 

Read our full policy wording here.

Third Party Liability Coverage  (If Insured’s Estimate of Value is ≥$1,500,000*)

Third Party Property Damage$5,000,000

Series of property damage claims arising out of one event

Third Party Bodily Injury (per person)$5,000,000

Death/bodily injury to any one person

Third Party Bodily Injury (per event)$10,000,000

Series of death/bodily injury claims arising from one event

* If Insured’s Estimate of Value is <$1,500,000, coverage for property damage, bodily injury (person) and bodily injury (event) fall to $5m, $3m and $5m respectively.

Added Benefits

Medical Expenses$30,000

Medical expenses incurred by the policy holder for injury caused by an insured accident

Wrecker & Storage Fees$35,000

After an accident we will help cover the cost of moving and storing your vehicle at a safe location

Personal Accident Benefit$750,000

Personal injury resulting in death to any occupant(s) of the insured vehicle ($250,000 per person)

Manslaughter Defence$250,000

Legal fees to defend the insured against manslaughter charge

Glass Damage$250,000

Damage to the windshield or windows of the insured vehicle; Max two (2) claims

Personal Effects$25,000

Damage to personal effects of the insured caused by an accident

Alternative Transportation (LOU)$15,000

Travel costs incurred in place of driving - $3,000/day; Max 5days

Key Replacement$50,000

Replace lost, stolen or destroyed key/transmitter; Max two (2) claims

Damage to Garage by Fire$25,000

Private residence garage damaged by burning vehicle

24/7 Roadside AssistanceREACT

Keep moving with FREE island-wide roadside assistance from REACT

Added Benefits

Medical Expenses

Medical expenses incurred by the policy holder for injury caused by an insured accident

Wrecker & Storage Fees

After an accident we will help cover the cost of moving and storing your vehicle at a safe location

Personal Accident Benefit

Personal injury resulting in death to any occupant(s) of the insured vehicle ($250,000 per person)

Manslaughter Defence

Legal fees to defend the insured against manslaughter charge

Glass Damage

Damage to the windshield or windows of the insured vehicle; Max two (2) claims

Personal Effects

Damage to personal effects of the insured caused by an accident

Alternative Transportation

Travel costs incurred in place of driving - $3,000/day; Max 5days

Key Replacement

Replace lost, stolen or destroyed key/transmitter; Max two (2) claims

Damage to Garage by Fire

Private residence garage damaged by burning vehicle

24/7 Roadside Assistance

Keep moving with FREE island-wide roadside assistance from REACT