Private Vehicle Insurance

Navigating the world of car insurance can be tricky, especially when deciding between comprehensive and third-party coverage. In Belize, RF&G Insurance offers both options, catering to various needs and vehicle types. Let’s break down the differences and help you choose the right protection for your ride.

Comprehensive Coverage:

  • Peace of mind: Covers damages to your own vehicle regardless of fault, alongside third-party liability.
  • Financial protection: Minimizes personal cost after accidents, covering repairs or replacements.
  • Eligibility: Available for vehicles under seven years old.
  • Additional benefits: Some plans include windshield replacements without impacting your No Claims Discount.

Third-Party Coverage:

  • Minimum legal requirement: Meets Belizean law by covering third-party injuries and property damage caused by you.
  • Budget-friendly: Often the more affordable option.
  • Limited protection: Does not cover your vehicle in case of accidents, regardless of fault.

Vehicle Types Covered by RF&G:

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

Ready to find the perfect car insurance plan for your needs? Contact RF&G Insurance today for a personalized quote and expert guidance.

Limits of Liability

Third Party Bodily Injury per person up to

Third Party Bodily Injury per accident up to

Third Party Property Damage per Accident up to

Accidental Damages to own vehicle:

BZ$50,000.00

BZ$200,000.00

BZ$20,000.00

No

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
3-Month Third Party Act Only
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

Third Party Bodily Injury per accident up to

Third Party Property Damage per Accident up to

Accidental Damages to own vehicle:

BZ$1,000,000.00

BZ$1,000,000.00

BZ$250,000.00

No

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

Third Party Bodily Injury per accident up to

Third Party Property Damage per Accident up to

Accidental Damages to own vehicle:

BZ$1,000,000.00

BZ$1,000,000.00

BZ$250,000.00

No

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 DamageCover
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.

Limits of Liability

Third-Party Liability Bodily Injury  – per person – per accident 

Third-Party Bodily Injury per accident

Third-Party Property Damage per Accident

BZ$50,000.00

BZ$200,000.00

BZ$100,000.00

 

A quotation will be made upon acceptance of the Proposal by the Company. In certain circumstances, you may be required to bear the first part of the cost of each claim. 

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