Motor Vehicle Insurance 


  • Collision Damage
  • Theft
  • Fire
  • Third-Party Property Damage
  • Acts of God
  • Windscreen Damage
  • Third-Party Liability and Passenger Liability.  
  • Coverage can be Comprehensive
  • Third-party Fire & Theft or Third Party only


Liability Insurance 


  • Directors and Officers Liability
  • Liability arising from Cyber Crime Risks
  • Public/Products, Employees
  • Professional Indemnity/Errors and Omissions
  • Goods held in Trust or on Commission


Marine, Aviation & Transit 


  • Land
  • Sea
  • Air Transit Risks 
  • Motor Boats
  • Marine Cargo
  • Pleasure Crafts
  • Commercial Vessels


Group Life and Personal Accident  

(To include Accidental Death & Dismemberment, Medical Reimbursement, Weekly Benefit (up to 100 weeks) if temporarily injured. Open to all credit union and other co-operative members, JCIA Policyholders, and members of TIP Friendly Society. Coverage starts at J$1M for any one person and can be increased to a maximum of $5M (conditions apply). Premium starts at a low $450.00 monthly, paid annually with an eligibility age of up to 69 years. Group Life Plan ends upon death (No age limit applicable). Supplemental benefits such as Critical Illness can be added at an affordable cost.


Claims Assistance

Most claims must be notified within days of their happening so we advise that you do so without delay.  For Motor claims please provide the following when you make your report: 

  1. Motor Vehicle Details/Certificate
  2. Drivers’ License
  3. Certificate of Fitness

Pictures of the accident and information on the other motorist involved and the vehicle details if available.


Payment Options 

Our e-commerce platform allows you to make online payments at your convenience – night or day. Your policy number will be required as a reference for you to access this service along with details of what is being paid for and the amount.
Options available are:

  •    Direct  Deposit – Payments to our Sagicor Bank Account.    

  •    Electronic  Funds Transfer.    

  •    Credit  Card/Debit Card. 

  •    Cheque. 

  •    In Branch Payment.

Property Insurance

Coverage is offered on Residential Building and Household Contents,
as well as Commercial Building and contents/stock/equipment and machinery. Coverage includes :

  • Burglary
  • All Risks
  • Computer/Equipment Breakdown
  • Contractors Insurance
  • Plate Glass.  


Perils covered against include: 

  • Acts of God
  • Malicious Damage
  • Fire
  • Property Owners Liability
  • Tenants Liability
  • Tenants Improvement 
  • other risks of physical loss or damage


Pecuniary Loss 


  • Money in Transit and on location
  • Bankers Bonds
  • Fidelity Guarantee (Employee Dishonesty) 
  • Consequential Loss (Loss of Profits) 
  • Performance Bonds
  • Bid Bonds


Travel Insurance (Worldwide) 

Coverage for travelers and their luggage to include:

  • Medical Expenses
  • Lost/ delayed luggage.
  • Emergency Medical Evacuation
  • Trip Interruption
  • Accidental Death and Dismemberment
  • Prescription Medication
  • 24 hours coverage


Health Insurance  

(To include Dental & Optical, Overseas Coverage plus Critical Illness)
Offering Individual and Group Plans, designed especially for members of co-operatives, Credit Unions, Policyholders of JCIA, and other employee and Friendly Society groups. Benefit levels are quite generous and include all areas carried under a regular health plan. Supplemental benefits can also be added at nominal costs.

Risk Management Solution 

We assist in identifying your:        

  • Levels of Risk Exposure. 

  • Options of using Insurance as a Risk Management Tool.

  • Designing and recommending Risk Mitigation Solutions.


Policy Renewals and New Business 

All Personal Lines Policies (Individual Policies) can be accommodated online including all motor vehicle policies for companies as well as Travel, Group Life, Health and Personal Accident Policies.