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Frequently Asked Questions
- What is the difference between Third Party &
Comprehensive insurance coverage?
- What documents do I need to produce when insuring
a vehicle?
- What is the minimum age for a person seeking
to buy insurance?
- How long must a person have license in order
to buy insurance?
- Are there additional cost when adding another
driver to my policy?
- When must I produce a Road Worthy Certificates
for my vehicle?
- Do credit union members receive discounted rates?
- Is a monthly payment plan available?
- Do I get a rental vehicle if I am at fault in
an accident?
- Where can I get an estimate for repairs in
the event of an accident?
- How long does a police report take to process?
- When should I submit a claim?
- What is the excess/deductible?
Q: What is the difference between
Third Party & Comprehensive insurance coverage?
A: If you are at fault in an accident or making a claim under your policy,
Comprehensive coverage will allow for repairs to your vehicle and the
other party’s vehicle. Third party coverage will only allow for
repairs to the other party involved in the accident.
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: Twenty-five years (25) with special acceptance to persons between
21-25 (conditions apply)
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 cost when adding another driver
to my policy?
A: Yes, if the driver is under 25 yrs of age and has had their license
for less than 5 yrs.
Q: When must I produce a Road Worthy Certificate
for my vehicle?
A: When the vehicle reaches ten years old. (see List of Garages below)
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, we offer payment plans up to three months (Special conditions
apply)
Q: Do I get a rental vehicle if I am at
fault in an accident?
A: Yes, if the Loss of Use Option was purchased with your new Comprehensive
Policy or at Renewal.
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?
B: Police reports take approximately three to six months.
Q: When should I submit a claim?
A: Within 48 Hours of the occurrence.
Q: What is the excess/deductible?
A: The first payment you will have to pay towards a claim.
Co-operators General Insurance Co. Ltd Authorised Garages
Nassco Limited
Simpson Motors
Courtesy Garage
Quality Motors
McEnearney Quality Inc.
M G Tucker & Co. Ltd.
Warrens Motors Inc
Motor Services Ltd.
OTHER GARAGES
Acme Manufacturing Ltd Cane Garden, St. George
Auto Surgeon Bridge Cot, St. George
Blenman’s Garage Mapp Hill, St. Michael
Carter’s Auto Clinic Perry Gap, Roebuck Street. St. Michael
Corbin’s Garage Collymore Rock, St. Michael
Crane & Equipment Ltd Strathclyde, 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
Rijenotech Auto Inc Searles Plantation, Christ Church
Trans-Tech Inc Kendal Hill, Christ Church
United Commercial Autoworks Ltd Roebuck Street, St. Michael
Vilbert Carter Benthams, St. Lucy
White’s Corporation Authur Seat, St. Thomas
Yesuf Auto Clinic Lakes Folly, St. Michael
Vehicle Inspection Division of Licensing Authority (NOT MTW)
Zokel Automotive Services Lot 4 -1A, Lower Estate, St. Michael
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