Auto Insurance coverages to suit your needs…
Our auto insurance delivers exceptional coverage, outstanding claims service and a suite of products that can be easily customised to meet your needs. Whether commercial, personal or luxury vehicles, we at PREMIER Insurance can help you find the best fit solution to ensure you are confident, comfortable and well protected.
Covers damage to your car
Automobile Insurance is compulsory by law, but coverage can vary widely depending on the limits of liability chosen. First of all, we can have what is commonly called full coverage, better known as comprehensive insurance. This policy covers damages to your vehicle whether or not you are responsible for the accident. It covers not only accidental damages but also damages as a result of fire and theft. The comprehensive policy also has a section for third party liability which protects you in the event of an accident for which you are liable and where persons may be injured or other vehicles damaged.
Comprehensive cover includes:
Optional benefits
Windscreen cover. Additional optional benefits available with Comprehensive cover also include flood, typhoon, hurricane, earthquake, and volcanic eruptions.
Automobile Insurance is compulsory by law, but coverage can vary widely depending on the limits of liability chosen. First of all, we can have what is commonly called full coverage, better known as comprehensive insurance. This policy covers damages to your vehicle whether or not you are responsible for the accident. It covers not only accidental damages but also damages as a result of fire and theft. The comprehensive policy also has a section for third party liability which protects you in the event of an accident for which you are liable and where persons may be injured or other vehicles damaged.
Comprehensive cover includes:
- Accidental collision or Overturning
- Fire and Explosion, Self-Ignition, Lightning
- Theft
- Burglary
- Windscreen cover
- Legal charges
- Clothing and personal effects
- Medical expenses and Emergency treatment
- Personal accident cover to insured
Optional benefits
Windscreen cover. Additional optional benefits available with Comprehensive cover also include flood, typhoon, hurricane, earthquake, and volcanic eruptions.
Covers damage you cause to others
Motor third-party insurance or third-party liability cover, which is sometimes also referred to as the 'act only' cover, is a statutory requirement under the Motor Vehicles Act. It is referred to as a 'third-party' cover since the beneficiary of the policy is someone other than the two parties involved in the contract (the car owner and the insurance company). The policy does not provide any benefit to the insured. However, it covers the insured's legal liability for death/disability of third-party loss or damage to the third-party property.
Coverage is provided against:
Motor third-party insurance or third-party liability cover, which is sometimes also referred to as the 'act only' cover, is a statutory requirement under the Motor Vehicles Act. It is referred to as a 'third-party' cover since the beneficiary of the policy is someone other than the two parties involved in the contract (the car owner and the insurance company). The policy does not provide any benefit to the insured. However, it covers the insured's legal liability for death/disability of third-party loss or damage to the third-party property.
Coverage is provided against:
- The death of or injury to any person
- Damage to their property
- Emergency treatment
- Legal Costs incurred as a result of an accident - In defending a legal action for damages, including claimant’s costs awarded against the policyholder
- Legal fees for representation at any inquest or in a court of summary jurisdiction
- In defending a charge of manslaughter up to prescribed limits
Application Requirements
- Completed Proposal Form
- Two (2) forms of valid photo identification
- Proof of Address (e.g. utility bill in your name no more than 3 months old)
- Nature and place of business/occupation
- Certified Copy in your name
- Politically Exposed Person Declaration Form
- Management accounts or estimates for the last 3 years, if self employed
Reference Letter from your foreign banker, if you are not a citizen/resident of Guyana
