This covers your liability for bodily injury to third parties and damage to third party property

If you have to face a claim for accidental bodily injury to another person or for damage to their property, as a result of negligence arising out of the use of your motor vehicle, we will pay any damages up to the limits on the policy selected by you.

Guardian Generals’ Third Party Limits of Liability are as follows:

Third Party Property Damage:

• TT $1 million in respect of any claim by any one person
• TT $2.5 million in respect of any series of claims arising out of one event.

Third Party Bodily Injury

• TT $2 million in respect of any claim by any one person
• TT $4 million in respect of any series of claims arising out of one event.

Third-Party Fire and Theft

In addition to Third Party Cover, if your vehicle is covered for Third party Fire and Theft we will also pay for loss of or damage to your vehicle by fire, explosion, self ignition or lightning, burglary, housebreaking, theft or attempted theft.

This policy covers Third Party Liability, Fire and Theft and Accidental damage to your vehicle.

In addition to Third Party Cover and Fire and Theft, provides cover for loss of or damage to your vehicle, accessories and spare parts while on the vehicle and the cost of wrecking/towing services.

Comprehensive Policyholders have automatic free benefits under the policy

• Damage to Garage by Fire
• Medical Expenses
• Personal Accident cover to you and your spouse
• Luggage and Personal Effects

Optional Extra Benefits can also be purchased

• Special Perils
• Windscreen
• Personal Accident to unnamed passengers
• Courtesy Car/Loss of Use
• Agreed Value
• Hospitalization
• Increased Legal Expenses – manslaughter
• Increase Third Party Limits of Liability

Insureds have an option to choose either the courtesy car or the hospitalization benefit free

Private Car Policies (comprehensive cover ONLY)

Optional Extra Benefits at Additional Premium

Flood; Hurricane; Earthquake
W/Screen/Glass Damage
Personal Accident for un-named Passengers
Agreed Value Policies
Courtesy Car/Loss of Use
Hospitalization- Max. $15000
Increased Legal Expenses - Manslaughter
Increased Third Party Limits of Liabilit

Provided no claim is made or arises under the policy during a Period of Insurance specified below immediately preceding the renewal of the Policy, you may be entitled to a No Claim Discount as follows:

STEP BACK COMPREHENSIVE NO CLAIM DISCOUNT

If you have completed 2 or more consecutive years with us at our Maximum NCD (No Claim Discount), you can make One Claim without the loss of your Discount.
In addition, a “Step Back” provision has been introduced as follows:

PROTECTED MAXIMUM COMPREHENSIVE NO CLAIM DISCOUNT

If after you have completed two (2) or more consecutive years with us at our Maximum No Claim Discount without any subsequent interruption in the insurance and not more than one claim is made under the policy the No Claim Discount will Not be affected. However, if at any date during the next three consecutive Periods of Insurance you make another claim, the No Claim Discount would be disallowed.

Third Party Fire and Theft and Third Party only policies

The application of the “own damage” excess has been modified in favor of the insured.

In the case of a Total Loss, the Percentage stated is of the Sum Insured or Market Value whichever is less at the time of the Loss or Damage. In the case of a Partial Loss, the Percentage stated is of the Sum Insured at the time of the Loss or Damage.

In the event that this Policy is on an Agreed Value Basis, the Percentage stated is of the Depreciated Value at the time of the Loss or Damage. If no Percentage is stated, the Minimum Excess applies.

Insureds must note that the No Claims Discount can be affected for each and every claim regardless of liability.