Key Protector Motor

A safe driver not only wants protection for themselves, but they also wish to protect others as well.  This one straightforward insurance plan offers the widest-possible coverage against an array of adverse, vehicle-related circumstances.

Download the Key Protector Motor Brochure

overview

Owning a car can no longer be considered a luxury. It provides independence and convenience beyond measure.

Vehicle ownership also brings significant responsibility, in terms of the financial costs and the responsibility you have to other road users. Motor vehicle insurance does more than protect you and your vehicle in the event of an accident. It also covers damage or injury caused by you or someone else driving your vehicle - costs that can soar well beyond the value of the vehicle itself.

Here are your major options to choose from when are seeking motor insurance:

Private Motor Comprehensive
Private Motor Third Party
Private Motor Third Party Fire and Theft

 
COMPREHENSIVE INSURANCE
Comprehensive insurance covers you for third party fire and theft plus accidental damage to your own vehicle. The exact cost of your cover is calculated according to a number of factors such as:
• The driver profile, including age, driving experience and driving history
• The vehicle profile including its type, use, engine size and value.
 
Some factors, such as high-performance engines, young or inexperienced drivers, vehicles used to transport goods or passengers and expensive or unusual vehicles may cause your insurance company to charge a higher premium.
 
THIRD PARTY
Third party only: This basic cover is often the minimum required by law and covers you for the cost of claims for injury to another person or damage to another vehicle or third party property. It does not cover loss of or damage to your own vehicle.

Please call your agent or contact us at 1 (767) 448-2181 or [email protected] for more information about our products! 

benefits

Private Motor Comprehensive

All Risks of loss or damage to the vehicle caused by violent and external means including damage caused by storm, flood, hurricane and earthquake.

Liability to third parties for personal or bodily injury and property damage
The amount of damages and claimant’s costs and expenses where the Insured person becomes liable at law resulting from an accident involving the insured vehicle;
Up to $1,000,000.00 for damage to property
Up to $10,000,00.00 for death or bodily injury in respect of any one person
Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
Loss of Use or hired car coverage – up to 14 days at no additional premium 
New Car Replacement – the cost of replacing the insured vehicle from a loss             occurring within 12 months from the date of the vehicle’s first registration as new . We will pay up to 105% of the insured value for the replacement vehicle.  
Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle
Towing Fees – the reasonable cost of protection and removal of the incurred vehicle which becomes disabled as a result of any loss or damage covered by the policy 
Medical Expenses – up to $1,500.00 for each person incurred from injuries sustained in an accident while travelling in the insured vehicle.
Personal Belongings – up to $1,000.00 for accidental loss, damage or theft of any personal belongings while in the vehicle.
No Limit for Breakage of windscreen or window
Damaged by uninsured motorist – cost of repair or replacement to the insured vehicle for damage caused by a third party motorist who, though at fault has no compulsory motor insurance in place.
Personal injury to the Insured and/or spouse  - for accidental injury while travelling in any privately registered Motor vehicle.
Funeral Benefits – $5,000.00 for death of insured due to an accident involving the vehicle

Private Motor Third Party

Liability to third parties for personal or bodily injury and Property damage
The amount of damages and claimant’s costs and expenses where the Insured person becomes liable at law resulting from an accident involving the insured vehicle;
Up to $1,000,000.00 for damage to property
Up to $10,000,00.00 for death or bodily injury in respect of any one person
Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle

Private Motor Third Party Fire an Theft

Liability to third parties for personal or bodily injury and Property damage
The amount of damages and claimant’s costs and expenses where the Insured person becomes liable at law resulting from an accident involving the insured vehicle;
Up to $1,000,000.00 for damage to property
Up to $10,000,00.00 for death or bodily injury in respect of any one person
Up to $30,000,00.00 for death or bodily injury in respect of any number of persons in any one accident
Loss of or damage to the insured vehicle as a result of fire theft
Emergency Breakdown Service – the reasonable cost of removal of the vehicle to a garage or your home as a result of the breakdown of the insured vehicle
 

related products

Cover Drive

Driving makes you more independent.  It’s also a big responsibility, and with that comes the need for the right insurance.  This policy is only granted to those who have driven for the last five years with no claims or traffic offenses recorded against them.  The better and safer a driver you are, the lower your premiums.

Read More

DrivePal

Your exceptional driving habits should be rewarded. That’s why we’ve developed an innovative way to prove you’re a great driver, which can help save you up to 35% more on your car insurance. Best of all, DrivePal is free to all Sagicor customers.

Read More

Young Professionals

For young drivers just starting out in a career, this is an affordable, all-in-one solution.  Not only does it offer personal accident coverage of $50,000, it also protects against loss of your phone, iPad or laptop – all for one low premium.

Read More