Barbados Car Insurance Plans
Barbados Vehicle insurance for everyone – From comprehensive policies to third-party options, our members enjoy coverage and benefits that protect them on the roads of Barbados.
Basic coverage
Third Party
The most basic coverage designed to protect damage or injury to others or their property.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle.
Loss or damage to your vehicle.
Loss of personal effects.
Medical benefits.
Coverage when you rent a car.
Basic coverage
Third Party
The most basic coverage designed to protect damage or injury to others or their property.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle.
Loss or damage to your vehicle.
Loss of personal effects.
Medical benefits.
Coverage when you rent a car.
COMPLETE coverage
Comprehensive
The most complete coverage designed to protect your vehicle and cover you for damage or injury to others or their property with a full range of services.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle*
Loss or damage to your vehicle.
Loss of personal effects.
Medical benefits.
Coverage when you rent a car.
Up to $500 in personal effects**.
Windshield and window replacement.
Emergency assistance including:
- Towing
- Tyre repair
- Battery restart
- Unlocking of vehicle
* Courtesy vehicle is offered for 7 days or until you have your vehicle repaired, which ever is earliest.
** Excludes cash or jewellery.
COMPLETE coverage
Comprehensive
The most complete coverage designed to protect your vehicle as well as damage or injury to others or their property with a full range of services.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle.
Loss or damage to your vehicle.
Loss of personal effects.
Medical benefits.
Coverage when you rent a car.
Up to $500 in personal effects*.
Windshield and window replacement.
Emergency assistance including:
- Towing
- Tyre repair
- Battery restart
- Unlocking of vehicle
INTERMEDIATE coverage
Comprehensive Lite
An intermediate coverage designed to protect your vehicle and cover you for damage or injury to others or their property with a limited range of services.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle.
Loss or damage to your vehicle.
Loss of personal effects**.
Medical benefits.
Coverage when you rent a car
INTERMEDIATE coverage
Comprehensive Lite
An intermediate coverage designed to protect your vehicle as well as damage or injury to others or their property with a limited range of services.
3rd party property up to $1M.
3rd party injury up to $30M.
24/7 emergency assistance.
Windshield protection.
Courtesy vehicle.
Loss or damage to your vehicle.
Loss of personal effects.
Medical benefits.
Coverage when you rent a car
Car insurance benefits explained:
Learn about the different benefits included in some of our coverage plans.
This coverage protects you financially in case you cause an accident where someone is injured or 3rd party property is damaged.
You are covered for repairs or replacement if your vehicle, its accessories, or spare parts are lost, stolen, or damaged. We will provide you with a hired vehicle if you can’t use your own vehicle due to damage. This benefit only applies for Comprehensive plans.
We will cover a specific amount to replace personal effects that are lost or damaged in an accident. This benefit is not applicable to 3rd party plans.
Medical expenses will be covered for you, your driver, or your passenger in the event of an injury in connection with your vehicle. This benefit is not applicable to 3rd party plans.
More Details
- Window replacement (not available for 3rd party plans)
- Emergency assistance (eg. towing, repairs, restarts, unlocking)
- Emergency services in the event of an accident
Common questions.
You can cancel the Policy by returning your Certificate of Motor Insurance to us with written instructions and we will return a portion of your premium, less an amount for administrative expenses, providing there were no claims made during the period. Any return of premium which might otherwise be due to you can only be paid after your Certificate of Motor Insurance has been returned to and received by us. We can cancel the Policy by giving you seven days notice in writing by registered mail sent to your last known address. If we do this, we will refund an amount of premium proportionate to the unexpired period of the Policy upon presentation of your Certificate of Motor Insurance.
We’ve got your back! Our policies are built to protect you in case of an accident, whether or not you’re at fault. Visit our claims page for more information.
We’re here to help! Just reach out and follow the simple claims process and we’ll get you back on the road in no-time. Visit our claims page for more information.
Third-party insurance covers only the loss and damage felt by others involved in an accident where you are at fault (or third-party), while comprehensive coverage covers your own loss and damage as well.
The main factors considered when calculating your motor insurance premium are:
- Your history (time as a licensed driver, past violations including speeding tickets etc)
- Your age and occupation
- How your vehicle is being used (how many people are using it, how much it’s driven, if it’s being used for work)
- Number of claims you’ve had in the past
Motor insurance in an instant.
It only takes minutes to get insured through Almi. All you’ll need to get a quote is some basic information about you and your vehicle.
To get full coverage, make sure you have:
- A photo of your driver’s license
- A photo of your passport or national ID
- A photo of a utility bill or bank statement with your address visible not older than 3 months
- The value of your vehicle
- Proof of ownership
- Proof of vehicle registration (if you’re switching from a previous provider)
