Linstead
Mall 74, King Street, Bog Walk, St. Catherine
T: (876)903.2746
F: (876)903.4727
E: linstead@icwi.com
Liguanea (Open on Saturdays!)
Shop 10, Liguanea Post Mall, 115 Hope Road, Kingston 6
T: (876)927.9533
F: (876)946.2613
E: liguanea@icwi.com
Falmouth
16 Market Street, Trelawny
T: (876)617.4051
F: (876)617.4050
E: falmouth@icwi.com
Cross Roads
2 Regal Plaza, Unit 2, Kingston 5
T: (876)926.9040-7
E: crossroads@icwi.com
Brown’s Town
Shop 1 & 2, Burlington Place, 2 Church Street
St. Ann
T: (876)926.9040
F: 876.917.9600
E: brownstown@icwi.com
Why do I need to insure my property at full replacement value?
If you insure your home for less than the full replacement value, in the event of a partial loss you would be subjected to the CONDITION OF AVERAGE. Under this condition if you have a claim for partial loss, what you would receive from the Insurance Company would be the same percentage of your loss as your sum insured is to the full replacement value, minus any excesses that are applied under this policy. E.g. your sum insured is 50% of the replacement value, you would be paid 50% of the loss, minus the excess.
Who is authorized to drive my vehicle?
Only persons or category of persons named are covered by your Insurance Policy to drive your vehicle. If anyone else should be driving your vehicle and there is an accident you will not be entitled to any compensation.
What is the policy excess?
The excess is the first portion of claim you pay when making a claim. It is specified as a percentage of the value of the vehicle. The excess must be paid whether you are at fault or not. Your insurance policy covers any amount over the excess up to the sum insured.
What is included under homeowners insurance?
Homeowners Insurance covers loss or damage arising from a variety of “Perils” such as fire, hurricane, earthquake, flood, faulty plumbing. It also includes cover for your liability to third parties in the event of your negligence. Please consult your Insurance Company/Broker for full details.
What is a no claim discount (NCD)?
This is discount which is earned by an individual for having a claim-free/accident-free period of insurance. Every year of claim free driving increases your NCD until is reaches maximum.
A NCD cannot be borrowed, loaned, or transferred to another individual. It is earned separately for each vehicle owned and can be transferred from one vehicle to another with identical ownership. Once there is a claim, whether you are at fault or not, your NCD may be affected.
