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Frequently Asked Questions

  1. What is the difference between Third Party & Comprehensive insurance coverage?
  2. What documents do I need to produce when insuring a vehicle?
  3. What is the minimum age for a person seeking to buy insurance?
  4. How long must a person have license in order to buy insurance?
  5. Are there additional cost when adding another driver to my policy?
  6. When must I produce a Road Worthy Certificates for my vehicle?
  7. Do credit union members receive discounted rates?
  8. Is a monthly payment plan available?
  9. Do I get a rental vehicle if I am at fault in an accident?
  10. Where can I get an estimate for repairs in the event of an accident?
  11. How long does a police report take to process?
  12. When should I submit a claim?
  13. What is the excess/deductible?
  14. Co-operators General Insurance Co. Ltd Authorised Garages

 

 

Q: What is the difference between Third Party & Comprehensive insurance coverage?

A: Third Party covers injuries or damage caused to other people or their property in an accident, but not damage caused to the insuredís property or vehicle. Comprehensive Insurance covers damage or theft to the insuredís vehicle, as well as injuries or damage caused to other people or their property.


Q: What documents do I need to produce when insuring a vehicle?

A: Valid drivers license, National ID, Proof of ownership, Valuation Certificate, Road Worthy Certificate (for vehicles ten (10) years and older).


Q: What is the minimum age for a person seeking to buy insurance?

A: We require persons to be at least 18 years of age.


Q: How long must a person have license in order to buy insurance?

A: This is usually at the discretion of the company.


Q: Are there additional costs when adding another driver to my policy?

A: Yes. If the driver is under 25 years of age and/or has had a license for less than 2 years. In addition, accident history will be considered.


Q: When must I produce a Road Worthy Certificate for my vehicle?

A: Usually when the vehicle reaches ten years old and annually thereafter but it may be required before if vehicle was involved in an accident


Q: Do Credit Union members receive discounted rates?

A: Yes, all Credit Union members are entitled a discount.


Q: Is a monthly payment plan available?

A: Yes. Credit terms are available. (Special conditions apply)

Q: Do I get a rental vehicle if I am at fault in an accident?

A: Yes. Your private comprehensive policy allows for use of a rental vehicle up to seven (7) days under your policy.


Q: Where can I get an estimate for repairs in the event of an accident?

A: Any reputable garage.


Q: How long does a police report take to process?

A: Three to six months or longer depending on the circumstances of the accident and the level of investigations involved.


Q: When should I submit a claim?

A: Within 48 Hours of the occurrence.


Q: What is the excess/deductible?

A: The first amount that must be paid by you the Insured towards a claim or loss being made under your policy


Co-operators General Insurance Co. Ltd Authorised Garages

Nassco Limited - River Rd St Michael
Simpson Motors - Warrens St. Michael
Courtesy Garage - Wildey St Michael
Quality Motors - Walrond & Pinfold Sts Bridgetown St. Michael
McEnearney Quality Inc. - Wildey St Michael
M G Tucker & Co. Ltd. - Bay Street St. Michael
Acme Manufacturing Ltd - Cane Garden, St. Thomas
Auto Repair Centre - Strathclyde, St. Michael
Auto Surgeon Auto Services Ltd - Bridgecot, St. George
Benedict Graham - Long Bay, St. Philip
Blenman’s Garage - Mapp Hill, St. Michael
Bodyline Garage Inc. - Farm Tenantry, Speightstown, St. Peter
Carter’s Auto Clinic - Perry Gap, Roebuck Street, St. Michael
Corbin’s Garage - Collymore Rock, St. Michael
Downe’s Auto Body - Hothersal Turning, St. Michael
Drayton’s Garage - Lodge Road, Christ Church
Elite Garage - Gun Hill, St. George
Forde’s Auto (Tall Boy) - Maxwell, Christ Church
JEM Services - Bryan’s Road, Welchman Hall, St. Thomas
Jones’ Garage Ltd - Passage Road, St. Michael
Lynch Automotive Solutions - Vaucluse Factory Yard, St. Thomas
Trans-Tech Inc - Kendal Hill, Christ Church
United Commercial Autoworks Ltd - Roebuck Street, St. Michael
Yesuf Auto Clinic - Lakes Folly, St. Michael
Vehicle Inspection - Division of Licensing Authority (NOT MTW)
Zokel Automotive Services - Lot 4 Lower Estate, St. Michael

 

 

 

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