FAQ2020-12-23T14:27:17-04:00

FAQs

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

What happens if I hit someone?2020-12-15T01:40:28-04:00

We’ve got your back! Our policies are built to protect you in case of an accident, whether or not you’re at fault.

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 happens if I hit someone?2020-12-15T01:40:28-04:00

We’ve got your back! Our policies are built to protect you in case of an accident, whether or not you’re at fault.

What happens if someone hits my vehicle?2020-12-15T01:41:10-04:00

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.

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?2020-12-15T01:43:41-04:00

The main factors considered when calculating your motor insurance premium are:

  • Your history (time as a licensed driver, past violations including speeding tickets etc)
  • Where you live
  • 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 made in the past
How is my home insurance premium calculated?2020-12-15T01:50:39-04:00

The main factors considered when calculating your home insurance premium are:

  • Location of your home
  • Your home’s age, structure, size
  • The number of claims you’ve made in the past
Does it matter if I rent my place?2020-12-15T01:36:46-04:00

Nope! Whether you rent or buy, we have a policy made for you.

What happens if someone is injured on my property?2020-12-15T01:37:37-04:00

We’ve got you covered! Our home insurance policies protect you if someone is hurt while they’re at your place.

Am I covered for a flood/freak accident/natural disaster?2020-12-15T01:38:14-04:00

You sure are! We know that life is unpredictable, especially when you live on an island. Mother nature can be your best friend or your worst enemy. Almi has your back.

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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