Motor - AutoSmart | Motor Insurance Company in Jamaica

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Motor Insurance

Your motor vehicle is a valuable asset, which we know you’ve worked hard for. No matter how careful we are, accidents can and do happen. General Accident offers a range of motor policies that provide protection against the costs of the collision, overturning, fire, theft and malicious damage and insure you against any legal liability.

Types of Motor Insurance Coverage

Comprehensive Insurance - provides protection or coverage for your vehicle as well as damage to other persons' property.
Third Party Insurance - provide cover for loss against someone else's property. No cover for damage to your vehicle.
Third Party, Fire & theft - dds cover in the event of your vehicle being stolen or catching fire.

Comprehensive Insurance

A comprehensive motor policy provides protection or coverage for your vehicle as well as damage to other persons’ property.

Third Party Only

Third Party Insurance provides cover for loss against someone else’s property. No cover for damage to your vehicle.

Third Party Fire & Theft

Third Party Property, Fire and Theft Insurance adds cover in the event of your vehicle being stolen or catching fire.

Superior Lady Policy Superior Male Policy Commercial Policies (Private & Public) Superior Car Policy

Superior Lady Policy

If you’re a female between the ages of 25 and 65 and:

Hold a valid driver's licence for at least 2 years
Have had no accidents in the past 2 years and own a vehicle
that is valued over $1,200,000
Use your car for only social domestic and pleasure purposes

Our Superior Lady Policy is the one for you. Take advantage of the extra benefits such as:

Protected No Claim Discount**

Policyholders earning maximum No Claim Discount and who have been insured with us for a period no less than 2 years, will not have their NCD affected for their first claim payment which does not exceed $350,000.00.

Loss of Use

Policyholders are entitled to a maximum of $1,500.00 per day for a maximum of 5 days if their vehicle is laid up as a result of a collision.

Increased limits of liability

Third party limits of liability

Third party Bodily Injury

In respect of death or bodily injury to any one person - $5M

In respect of a series of death or bodily injury claims arising out of any one event - $5M

Third Party Property Damage

In respect of any one property damage claim - $5M

In respect of a series of property damage claims arising out of one event - $5M

Wrecking & Storage - $50,000.00

Windscreen - $100,000.00

Manslaughter legal fees - $250,000.00

Personal Accident - $250,000.00

Please note: - Comprehensive Cover Only

- Policyholder must be insured with General Accident for at least 2 years and earning maximum
No Claim Discount. First claims payment in excess of $350k will not be affected.

Superior Male Policy

If you’re a male between the ages of 35 and 65 and:

Hold a valid driver’s licence for at least 2 years

Have had no accidents in the past 2 years and own a vehicle that is valued over $1,500,000

Use your car for only social domestic and pleasure purposes

Get a quote

Our Superior Male Policy is the one for you.

Take advantage of the extra benefits such as:

Protected No Claim Discount**:

Loss of Use:

Policyholders are entitled to a maximum of $1,500.00 per day for a maximum of 5 days if their vehicle is laid up as a result of a collision

Increased Windscreen, Manslaughter & Personal Accident Benefits:

Third party limits of liabilityThird party Bodily Injury

In respect of death or bodily injury to any one person - $5M

In respect of a series of death or bodily injury claims arising out of any one event - $5M

Third Party Property Damage

In respect of any one property damage claim - $5M

In respect of a series of property damage claims arising out of one event - $5M

Wrecking & Storage - $50,000.00

Windscreen - $100,000.00

Manslaughter legal fees - $250,000.00

Personal Accident - $250,000.00

Please note:

Comprehensive Cover Only
Policyholder must be insured with General Accident for at least 2 years and earning maximum
No Claim Discount. First claims payment in excess of $350k will not be affected.

Commercial Policies (Private & Public)

Our Private Commercial Motor Policy provides cover for vehicles used to transport your own goods such as tractors, pick-ups, refrigerated trucks etc.

Take advantage of the extra benefits such as:

Windscreen Damage:

An insurance policy is a contract between you and an insurance company, in which we promise to take over the financial costs of certain risks. The policy describes the item(s) covered, the risks you are covered against and specifies your rights and responsibilities, along with the terms and limits of the cover. We cannot stop those risks from occurring, but we can help to pay for them when they do.

Manslaughter Defense:

Vehicular manslaughter is every driver’s worst nightmare. However, if this nightmare ever becomes a reality, your policy provides a maximum of $150,000.00 to defend against charges.

Personal Accident:

This provides coverage to the driver of the vehicle for personal injury resulting in death or permanent injuries.*Additional coverage is available at a cost.

Wrecker & Storage Fee:

If you are involved in an accident and unable to drive the vehicle from the scene, your policy provides coverage for removal and storage as per the limit specified on your policy schedule.

Medical Expenses:

Immediately Report It To The Police. Be Sure To Advise Them If The Original Documents Were Stolen With The Car.
If The Documents Were Also Stolen, Get A Letter From The Police To Go To The Various Authorities-Collector Of Taxes, Transport Authority, To Obtain Certified Copy Documents.
Report It To Your Insurance Company, Broker Or Agent And Complete The Required Form.
Take The Title, Registration Certificate And Certificate Of Fitness Along With Your Taxpayer Registration Number To The Tax Office To Have The Title Endorsed And Stamped
If You Had Not Yet Received The Title, Go To The Tax Office And Explain That The Vehicle Has Been Stolen So That They Can Expedite It, As You Must Have It Before Your Claim Can Be Settled.
Take All The Documents Along With The Keys If They Were Not Stolen, To The Insurance Company, Broker Or Agent.
If The Above Is Done And There Are No Extenuating Circumstances, Then Your Claim Should Be Settled In Four (4) To Six (6) Weeks. This Time Is Primarily To Allow The Police And Investigator To Investigate Fully And Attempt To Locate The Vehicle.
If The Vehicle Is Found Before The Claim Is Settled And It Is Damaged But Repairable, The Claim Will Then Be Treated As An Accidental Damage Claim And The Vehicle Repaired. You May Be Required To Assist The Police And The Insurance Company In Identifying The Vehicle.
If The Vehicle Is Found After The Claim Has Been Paid, The Vehicle Does Not Belong To You As It Has Already Been Transferred To General Accident. You Would Of Course Have First Option To Purchase.

Please note: Comprehensive Cover Only

Superior Car Policy

With our Competitive Motor Insurance options, we are certain there is one that is suited for you!

Take advantage of the extra benefits such as:

Windscreen Damage

Your policy provides a maximum of two claims in any one policy year up to the limit specified in your policy schedule. The coverage allows you to claim for broken glass in your car’s windscreen or windows and it will not count as a claim for the purposes of calculating your no claim bonus

Manslaughter Defence Costs

Vehicular manslaughter is every driver’s worst nightmare. However, if this nightmare ever becomes a reality, your policy provides a maximum of $150,000.00 to defend against charges.

Personal Accident*

This provides coverage to the driver of the vehicle for personal injury resulting in death or permanent injuries.

*Additional coverage is available at a cost

Wrecker and Storage Fees

If you are involved in an accident and unable to drive the vehicle from the scene, your policy provides coverage for removal and storage as per the limit specified on your policy schedule.

Medical Expenses

The policy will cover medical expenses for the driver in the case of an accident. The maximum limit is as per the sum noted on your policy schedule.

Free Emergency Roadside Assistance

All our private car policyholders can drive with the assurance of knowing that in the case of breakdown, they can contact REACT for the removal of their vehicle to a safe and secured location. **Roadside assistance for breakdown has a limit of $5,000.00 and is available to third party and commercial policy holders at a nominal price of $1,500.00.

Limits of Liability

Third party Bodily Injury In respect of death or bodily injury to any one person - $3M In respect of a series of death or bodily injury claims arising out of any one event - $5M Third Party Property Damage In respect of any one property damage claim - $3M In respect of a series of property damage claims arising out of one event - $3M *increased limits are available at an additional cost.

Child Car Seat Coverage

How does it work?

This cover automatically attaches to all private comprehensive policies.

Effective January 1, 2019 child car seats will be automatically covered under all GA Private Comprehensive Policies. What this means is that if your car is in an crash that is NOT considered minor, or if your car is damaged by fire, or stolen and not recovered, you may claim your car seat as damaged and you will be reimbursed up to $15,000 to replace it with a new one of a similar standard. What is a MINOR CRASH? A minor crash is defined as one in which ALL of the following apply:

The vehicle was able to be driven away from the crash site.
The vehicle door nearest the car seat was not damaged.
None of the passengers in the vehicle sustained any injuries in the crash.
If the vehicle has air bags, the air bags did not deploy during the crash; and
There is no visible damage to the car seat.

What does it cost?

There is no charge

To know more please see your broker or call your General Accident Insurance representative today.

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