J. S. Johnson knows how important your car is, both as a means of transport and also as one of the truly valuable items you own. To ensure your car is as safe as possible, we offer the following types of motor insurance.

Act

This covers your legal liability (your responsibility) for death or bodily injury to another person (not in your vehicle).

Third Party

Covers the above (Act) and also covers your legal liability for damage to other people's property and death or bodily injury to persons outside your vehicle, if you are at fault in an accident.

Third Party, Fire & Theft

Covers you for Third Party, as mentioned above, and, in addition, covers your vehicle if it is stolen or burnt.

Comprehensive

Covers all of the above but also includes accidental damage to your vehicle (i.e. collision and malicious damage).

Free of Charge

Our Comprehensive policies, provide the following free of charge:

• Hurricane cover - this covers your vehicle against the perils of hurricane, windstorm, earthquake, riots and flood.
• Windscreen Damage - covers loss or damage to the windscreen or window in your vehicle, subject to a maximum of $800.00. This type of claim does not affect your No Claims Discount (NCD).

Our Comprehensive Private Car policies provide:

• Basic Protection for your personal belongings while in your vehicle; if they are lost or damaged in an accident up to a limit of $200.
• Passenger Liability - covers your liability for death or injury to passengers in your vehicle.
• Medical Insurance to take care of minor hospital and physicians' bills of up to $150 per person and a maximum of $500 per accident.
• Personal Accident Benefit for the insured and spouse up to $5000

Optional Benefits - You can add the following to your Comprehensive Private Car policy for a small fee:

• No Fault Benefit Provides you with a rental car up to $500 and waives your Deductible up to $500 in the event you have to claim for loss of or damage to your vehicle through no fault of your own.
• Protected No Claims Discount gives you the comfort of knowing that if you are earning maximum no claim discount, when you claim, for $10,000 or less, your No Claims Discount will not be reduced.

Optional Benefit - available under our Comprehensive Commercial Vehicle Policy:

• Passenger Liability - You can protect your passengers by adding this coverage to your Commercial vehicle policy.

To request more details, please contact our Motor Insurance Department