An insurance policy is a contract between you and an insurance company, in which we promise to take over the financial costs of certain risks. The policy describes the item(s) covered, the risks you are covered against and specifies your rights and responsibilities, along with the terms and limits of the cover. We cannot stop those risks from occurring, but we can help to pay for them when they do.
Under the Motor Vehicles Insurance (Third Party Risks) act of 1941, a minimum level of insurance is compulsory if you intend to operate a vehicle on the Jamaican roads. Being caught driving a vehicle that is not insured is an offence. In addition, it is in your best interest to ensure that whether through someone else's fault or your own, an accident or loss does not cause you financial hardship. Insuring your vehicle is a means of protecting yourself.
Under the law, the Certificate of insurance is required as proof of the existence of insurance. It must be returned if the policy is suspended or cancelled. If it is lost, you should advise us immediately.

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