If you need a quote for a personal policy such as travel, private motor, motorcycle or homeowners you should contact the Personal Lines Department at 434-6028 or 434-6000 extension 6200.

If you need a quote for a commercial policy such as fire and perils, burglary or public liability, you should contact the Commercial Lines Department at 434-6036 or 434-6000 extension 6300.

Advise the company of the names of all owners (partial or otherwise) as their names must be included on all documents

You should bring a recent valuation of the house from a recognised valuer or quantity surveyor if one is available.

It is advisable to have a checklist of the items to be insured under the contents section including the serial numbers and brand names of electrical items

Jewellery and valuables should be accompanied by a recent valuation, appraisal or receipt

The name and address of the mortgagee should be made available (if you have a loan on the property)

We offer a variety of price advantages to qualified homeowners.  You will receive special pricing if your home has any of the following:

• Smoke Detectors
• Fire Extinguishers
• Burglar Alarms
• Concrete Roof
• Sprinkler System
• Fire Hose
• Hurricane Straps
• Hurricane Shutters

If you are a member of BARP or any credit union you are also eligible for discounts on your home insurance policy.

No. Your landlord's policy doesn't cover any of your personal possessions. Your landlord’s homeowners policy only covers the building which you are renting.  To cover your contents you will need to purchase a Renters' insurance policy which would cover your furniture, jewellery, clothes and personal items. It will also cover your personal liability if you are legally liable for bodily injury or property damage to another person. 

The coverage you would need is called loss of rent. It’s business interruption coverage for apartment and office buildings that covers the rent you would have received if your building had not suffered an insured loss.

You need to bring:

• Proof of ownership of the vehicle
• Your driver's licence and those for each driver who will use the vehicle
• A recent valuation from the manufacturers' agent in Barbados
• A roadworthy certificate from an approved garage if your vehicle is over ten years old. A copy of the list may be viewed by going to "Additional Information" under the Motor Section of the website. 

No you do not.  You only need to bring the driver's licence for the additional driver

In the case of an additional vehicle, you need to supply proof of ownership and a valuation from the manufacturer's agent in Barbados.

If the vehicle is over ten years old you need a Roadworthy Certificate from an approved garage.  The list of approved garages may be found under "Additional Information" of the Motor section of the website.

If you have a motor vehicle accident please contact our OmniPlus Road Advantage road response team at 434-6000.  This service is available 24 hrs per day every day.

If you have a claim, you should contact the Customer Service Desk of the Claims Department at telephone number 434-6020, or 434-6000 extension 6100.  If wish to write to us you should address your correspondence to the Managing Director who will be pleased to forward it to the relevant officer who is handling your claim.

To find out your current balance please contact our Accounts Department at 434-6040 or 434-6000 extn 6500.

When your supplier is shut down, that is a situation out of your control. To protect your business you need to buy a policy called Contingent Business Interruption. It will provide coverage when you have to suspend your business operations as a result of a covered loss to your independent supplier.

If your location becomes damaged as a result of an insured loss and you can operate at a temporary location, you need to buy "extra expense" coverage. Extra Expense coverage will cover your costs above and beyond your normal operating expenses for you to continue operating your business at a temporary location.

It includes rent for the alternatative location, electricity and other utilities and the actual cost of relocation. Extra expense coverage is a complement to business interruption, and you should have both in order to ensure you are adequately protected.

Business interruption (BI) insurance starts when your business cannot operate as a result of a loss that is covered under your property policy. The property may have suffered a fire or other loss and operations must be shut down at that location.

BI covers the expenses that you incur to ensure that the business continues to earn profits as if there had been no loss. Coverage begins from the time of the loss and continues until the time that the business is back up and running at its pre-loss state.  This time is determined at the inception of the policy, and may be from a minimum of 6 months to as much as 36 months from the date of the loss.

Business interruption insurance covers a business for loss of income as a result of a covered loss. It is also known as loss of profits coverage.

This is the first part of aclaim which You must pay. If you make a claim under your policy, whether you are at fault or not, the Excess would be deducted before any settlement is made to you.

If, at the time of the accident, the person driving your vehicle is young or inexperienced, the Deductible will be higher than the standard deductible.