Private Vehicle Insurance

Do I need Comprehensive or Third Party Insurance?

Comprehensive insurance will cover damages caused to your vehicle in the event of an accident (regardless of who’s at fault) as well as damages to other persons if you are found to be at fault. In order to insure a vehicle comprehensively, RF&G Insurance requires that the vehicle be less than seven years old. With a Comprehensive Insurance Policy from RF&G Insurance, you are also entitled to one replacement windshield every policy period, which will not affect your No Claims Discount.

Third Party Liability insurance covers you against damage to other persons in the event of an accident. Our products covering Third Party liability start as low as $34 for a Blue Note Policy covering the legal requirement under the Insurance Act, to our Million Dollar Policy, which provides cover for up to $1 Million for bodily injury and $250,000 for property damage.

 

Types of vehicle covered by RF&G Private Vehicle Insurance:

  • Cars & Trucks
  • Tractors
  • Trailers
  • Golf Carts
  • Motorized Heavy Equipment
  • Cranes

 

Third Party "Act Only"
Third Party "Super Act"
Third Party Only "Million Dollar"
Accidental Damage & Liability

Limits of Liability

Third Party Bodily Injury per person up to   BZ$50,000.00
Third Party Bodily Injury per accident up to   BZ$200,000.00
Third Party Property Damage per Accident up to   BZ$20,000.00
Accidental Damages to own vehicle:   No

Product Period of Cover
Blue Note Eco 1 month
Blue Note 3 months with a 9 month optional extension available
Third Party Act Only Annual

Coverage/Period: The legal minimum liability required under the Motor Vehicle Insurance (Third Party Risks) Act.

Limits of Liability

Third Party Bodily Injury per person up to   BZ$50,000.00
Third Party Bodily Injury per accident up to   BZ$200,000.00
Third Party Property Damage per Accident up to   BZ$100,000.00
Accidental Damages to own vehicle:   No

Coverage/Period: Provides the same cover as described for “Act Only” except the Property Damage Limit is increased. This is a yearly policy.

Limits of Liability

Third Party Bodily Injury per person up to   BZ$1,000,000.00
Third Party Bodily Injury per accident up to   BZ$1,000,000.00
Third Party Property Damage per Accident up to   BZ$250,000.00
Accidental Damages to own vehicle:   No

Coverage/Period: Third Party liability for injury to persons and damage to property. This is a yearly policy.

Limits of Liability

Third Party Bodily Injury per person up to   BZ$1,000,000.00
Third Party Bodily Injury per accident up to   BZ$1,000,000.00
Third Party Property Damage per Accident up to   BZ$250,000.00
Accidental Damages to own vehicle:   No

Product Accidental Damage Cover
Third Party Fire & Theft For Fire & Theft Only
Comprehensive Only Loss or damage to the Insured vehicle by accident, theft and fire. Also includes glass breakage replacement with no deductible and no loss of discount (One per policy year)
Comprehensive & Hurricane Loss or damage to the Insured vehicle by accident, theft, fire, hurricane, flood or windstorm. Also includes glass breakage replacement with no deductible and no loss of discount (One per policy year)


Coverage/Period:
Policies available on an annual basis