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Almi - Barbados Car Insurance
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FAQ2020-12-23T14:27:17-04:00

FAQs

Simple home and motor insurance plans suited to the way you live your life.

What is your refund policy?2021-08-22T07:14:35-04:00

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.

What happens if I hit someone?2021-10-22T14:54:57-04:00

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.

How do I know Almi will process my claim when needed?2020-12-15T01:45:20-04:00

Almi is a trusted insurance expert with a goal to increase the financial security of every person in the Caribbean. Our system was designed to accept, evaluate and pay-out your claim in a flash – you can take our word that we will get you your money as soon as possible.

How do you compare with other providers?2020-12-15T01:46:04-04:00

At Almi, our main purpose is to simplify insurance and encourage our communities to protect themselves with proper insurance coverage.

Before we do anything, we make sure that it’s something that our community can easily understand, and easily afford.

We also do everything online, so when you need us, we’re there for you no matter where you are.

How long will it take to get my claim processed?2020-12-15T01:47:50-04:00

Once we receive all the information needed to evaluate your claim, our aim is to process your claim in just a few days.

What information do you need from me to apply?2020-12-15T01:48:12-04:00

Not much! We need some photo ID, details about your home, vehicle and driving history, and we’ll get to work! We’ll be in touch along the way if more information is needed.

What’s the right insurance for me?2020-12-15T01:48:31-04:00

Every person is different, and their insurance needs are different too. That’s where Almi comes in – we’ll explain your options and help you decide which is best for you and your family.

Do I need to own the home/vehicle to get a quote?2020-12-15T01:49:37-04:00

Yes, only the person owning or renting the home or vehicle can get a quote on its insurance.

What is a valuation certificate and where do I get one?2020-12-15T01:52:25-04:00

A vehicle valuation certificate is proof of the vehicle’s value, and is required by all insurance companies in order to cover your vehicle. You can get one at almost any vehicle dealership or licensed mechanic.

What is your refund policy?2021-08-22T07:14:35-04:00

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.

What happens if I hit someone?2021-10-22T14:54:57-04:00

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.

What happens if someone hits my vehicle?2021-10-22T14:54:15-04:00

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.

What’s the difference between Third-Party and Comprehensive insurance?2020-12-15T01:42:37-04:00

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.

How is my motor insurance premium calculated?2021-10-22T14:53:10-04:00

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
How do you evaluate my claim?2020-12-15T01:44:16-04:00

Once your claim has been received, our experts will take a look at all the information provided, and begin to evaluate the total cost of damage. Once this cost is set, they’ll reach out to you to discuss and offer a list of trusted vendors to perform the repairs.

How can claims impact my future insurance?2020-12-15T01:44:36-04:00

The amount of impact, if any, will depend on whether the accident was your fault, and which type of insurance plan you’ve chosen. As a general rule, the more insurance claims you make, the higher your premiums could be in the future.

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