Motor 2018-06-29T16:06:54+00:00

FIRST for Motor Insurance

Motoring accidents are pretty rare on Cayman, but we all know they can happen, and when they do, it can be very stressful, especially if your motor vehicle is your pride and joy. We put your needs first, and make it as easy as possible to find the right type of motor vehicle insurance for you at the right price, and our market leading and exclusive First Response Service  provides you with free accident assistance 24 hours a day, 7 days a week, 365 days a year.

Motor Insurance Coverages

Compulsory Third Party Only

ONLY provides cover for your legal liability to third party property and persons. Loss or damage to your motor vehicle is NOT covered. Provides the minimum protection as required by law.

This covers your legal liability to pay damages and/or claimants costs and expenses that may be awarded against:

  1. any insured person arising out of the use of your motor vehicle
  2. any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
  3. you whilst you are driving a private motor vehicle with the owner’s consent that does not belong to you and is not hired to you under a hire purchase agreement.

This covers your legal liability to pay damages and/or claimants costs and expenses that may be awarded against:

  • any insured person arising out of the use of your motor vehicle
  • any insured person arising out of the use of your motor vehicle whilst it is towing a trailer
  • you whilst you are driving a private motor vehicle with the owner’s consent that does not belong to you and is not hired to you under a hire purchase agreement.

This covers your reasonable legal costs and expenses (other than those associated with traffic offences) arising from a covered event provided that we have agreed to do so in writing to you prior to them being incurred.

This covers on-location support at the scene of an accident and continues throughout the repair and claims process.

This covers you 24 hours a day, 7 days a week where your motor vehicle requires any of the following:

  1. Changing of flat tyres
  2. A “jump” start should your motor vehicle become disabled
  3. Towing should your motor vehicle become disabled
  4. Emergency fuel delivery for your motor vehicle

This covers your legal liability for damage to other person’s property, or for death or bodily injury to those persons, arising out of the use of your motor vehicle whilst it is towing a trailer.

Comprehensive

Covers loss or damage to your motor vehicle AND your legal liability to third party property and persons.  Provides all the cover under Compulsory Third Party Only plus:

This covers the cost of repair or replacement following loss of, or damage to, your motor vehicle and accessories, tools or spare parts related to your motor vehicle when on or in your motor vehicle.

This covers the cost of repair or replacement for damage to your motor vehicle by the owner or driver of an uninsured motor vehicle who is at fault for an accident involving your motor vehicle.

This covers the cost of repair or replacement of the glass in the windscreen, windows or sun-roof of your motor vehicle and the cost of repairing resultant scratching of the exterior bodywork surfaces of your motor vehicle following breakage by any cause.

This covers the reasonable cost of protection and removal to the nearest repairer if your motor vehicle is disabled.

This covers accidental injury that results in:

  1. death or
  2. total and permanent loss of sight in one or both eyes or
  3. total loss by physical severance, or total and permanent loss of use, of one or both hands or feet.

This covers loss of, or damage to, any personal items whilst in or on your motor vehicle.

This covers the use of a rental vehicle, if your motor vehicle is unable to be driven.

This covers the cost of replacing ignition keys, locks or locking mechanisms, alarm or immobiliser for your motor vehicle if your ignition keys for your motor vehicle are lost or stolen.

This covers the cost of replacing your motor vehicle with a new one of the same (or similar) make, model and specification subject to availability if your motor vehicle is beyond economical repair, or is stolen and not recovered.

This covers reasonable and customary veterinary fees incurred by you if your pet suffers accidental injury or death while your pet is travelling in your motor vehicle or if your pet is inside the motor vehicle at the time of a theft and your pet is not recovered.

This covers you for 1 “at fault” claim per policy period without your No-Claim Discount being affected.

This covers the cost of either draining or flushing you motor vehicle or recovering it to the nearest repairer if you fill it with the wrong type of fuel accidentally.

*Please note that terms and conditions apply to the above.

GET A MOTOR QUOTE

Free Roadside Assistance

We also offer our customers free roadside support in Grand Cayman 24 hours a day – simply call 94F-IRST (943-4778) and we will take care of the rest.

Towing Disabled Vehicles

Change Flat Tyres

Jump Starts

Emergency Fuel Delivery

Frequently Asked Questions

What are the common driving options available? 2016-09-08T21:58:23+00:00
  • You or you and the joint proposer only driving – a discounted premium will apply
  • Any authorised and licenced driver aged 22 and over (max age 75), with valid full driving licence for at least 1 year
  • Any authorised and licenced driver aged 25 and over (max age 75), with valid full driving licence for at least 1 year
  • Named authorised, licenced drivers (max age 75)
What is the difference between Compulsory Third Party Only and Comprehensive cover? 2017-08-15T18:38:07+00:00

If you look at the MOTOR INSURANCE COVERAGES above then you can see the difference in cover. Comprehensive provides much wider cover!

If my vehicle is on fire and I am able to contain and extinguish it, do I still need to notify the fire department? 2016-09-08T21:56:43+00:00

Yes. All vehicle car fires must be reported to the police. They will inspect the vehicle and determine the cause so that any potential hazard can be fixed to ensure your vehicle is safe to drive.

Can I claim for personal possessions that were in my vehicle when it was stolen or destroyed by fire? 2017-08-07T23:53:38+00:00

Yes, your Cayman FIRST Key Protector Private Motor policy provides this cover.

If my vehicle has been stolen or damaged by fire, should I get the police report before coming to you? 2016-09-08T21:54:16+00:00

Firstly, you should immediately report it to us – do not wait until you get a police report as this delay could negatively affect your claim. We will then formally ask you to obtain a police report. The police will not usually release any reports for vehicle thefts or fires without a request letter from us.

Can I cancel my insurance policy at any time during the policy period? 2016-09-08T21:53:29+00:00

Yes you can, but you must return the current Certificate of Motor Insurance (or any current Cover Note if you have one) to us first. Without this, we will not be able to cancel the policy. Depending on the circumstances surrounding the cancellation, you may be entitled to a refund of any premium you have paid.

How soon should I notify you in the event of an accident or other loss? 2017-08-07T23:54:21+00:00

You should notify us as soon as possible – the longer you delay this, then the more your claim may be negatively affected!

If I sell my vehicle, can I also transfer my insurance to the buyer? 2016-09-08T21:51:51+00:00

No. You no longer have an insurable interest in the vehicle, so you would need to cancel your insurance. The new buyer would need to arrange their own insurance.

Am I entitled to a No-Claim Discount every year at renewal? 2017-08-07T23:55:19+00:00

You are only entitled to any No-Claim Discount if you meet the eligibility criteria for it. The policy wording shows how this operates clearly.

We also offer a very special No-Claim Discount Protection option, which also has eligibility criteria, where your No-Claim Discount is NOT reduced if you have an at-fault claim. A small additional premium is required for this very desirable feature.

Aren’t all losses covered by my “Comprehensive” motor policy? 2016-09-08T21:50:12+00:00

Unfortunately not. All motor insurance policies have limitations, exclusions, etc and so the policy wording will show these clearly.

If I have a Comprehensive insurance policy, what happens (in the event of a total loss) if the loan on my vehicle is more than the market value determined by you? 2016-09-08T21:49:06+00:00

This scenario can, and does, happen. We are only required to pay you the market value of the vehicle or the sum insured as shown in the policy schedule, whichever is the less, at the time of loss and not the loan balance payable to your lender. Your lender will look to you to pay the shortfall to them in such scenario.

Is anyone who drives my car with my permission covered by my Cayman FIRST Key Protector Private Motor policy? 2016-09-08T21:48:32+00:00

No. Your current Certificate of Motor Insurance (or current Cover Note if you have one) shows who is entitled to drive and would be one of the following categories:

    • You or you and the joint proposer only driving
    • Any authorised and licenced driver aged 22 and over (max age 75), with valid full driving licence for at least 1 year
    • Any authorised and licenced driver aged 25 and over (max age 75), with valid full driving licence for at least 1 year
    • Named authorised, licenced drivers (max age 75)

You should not allow an uninsured driver to drive your vehicle under any circumstance. Otherwise your policy will not respond in the event of loss or damage. All drivers must hold valid licences to drive.

If I have a Comprehensive policy with you, does it provide coverage for a rental vehicle if my own vehicle is not roadworthy following an accident or fire? 2016-09-08T21:47:58+00:00

Yes it does. This is a standard benefit with our Comprehensive policy. We have limits per day and a maximum number of days a rental vehicle can be used. There are also some restrictions that apply.

If my car is “totaled” (considered beyond economic repair) will you pay the sum insured shown on my current policy schedule? 2016-09-08T21:47:30+00:00

Not necessarily. We are only required to pay you no more than the market value of the vehicle or the sum insured as shown in the policy schedule, whichever is the less, at the time of loss. However, the market value is the price your vehicle would be expected to fetch on the open market in Cayman in its current condition. Remember that most vehicles depreciate in value as they get older, with some vehicles depreciating faster than others. This depreciation is also taken into consideration.

How does my previous driving record affect my motor premium? 2016-09-08T21:29:37+00:00

The premium that you pay is a reflection of your driving record amongst other factors. So policyholders/drivers who have a good driving record are entitled to No-Claim Discounts. These are shown in our policy wording.