Frequently Asked Questions

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Motor FAQs

CC - Cubic Centimeters / HP - Horse Power
These measurements are used to represent a vehicle's engine capacity or power.
This can be found on the certified copy of ownership and/or pro forma invoice.
Vehicles up to 12 years can be accepted for Comprehensive.  There may however be cases where requests are received to cover older vehicles and this can be considered once an acceptable valuation is obtained.
This optional benefit, enjoyed on our COMPREHENSIVE Private Motor Vehicles, provide Insureds with the use of a Courtesy vehicle in the event that the insured vehicle is disabled by reason of loss or damage covered under the policy.  

Alternatively Guardian General Insurance Limited will pay up to $300.00 per day towards the cost of the renewal of a vehicle's rental from a registered vehicle rental company. The maximum is 10 days or $3,000.00 per policy period.
Anyone can drive your motor vehicle once the person is granted permission by You (the owner/policyholder) provided that the person driving is permitted to drive in accordance with the law (holding a valid driver’s permit) and is not disqualified by order of the Court of Law due to an offence such as DUI (driving under the influence),
Yes as our contract with you is to provide insurance cover occurring within Trinidad and Tobago.
If your policy includes Special Perils cover you are covered for earthquake. If you are not sure whether your policy includes special perils cover, contact our Client Engagement Centre and an Underwriter will confirm for you.
The amount of each claim that the policy owner is responsible for.
If your policy includes Special Perils cover, you are covered for flood.

If you are not sure whether your policy includes special perils cover, contact our Client Engagement Centre and an Underwriter will confirm for you.
Yes, an excess is applicable against a claim for flood/special perils damage.
Motor Assist is our 24-hour Emergency Road Side Assistance that is included as a free service to all our private motor vehicle policies. 

You are entitled to three callouts per calendar year for towing, emergency battery jumpstart, flat tyre, refuel and locksmith services.
A No Claim Discount (NCD) is a discount applied to the policy premium each year the policy remains claim-free. The discount increases, each year no claims have been made to the policy. Up to a maximum of 60% discount can be earned on your motor insurance policy premium. 
Yes - at Guardian General Insurance Limited, earned NCD's may be held over a period of up to 24 months.
When there is a claim on the insurance policy, the insurance company reserves the right to adjust your no claim discount in any of the following ways: 
  1. Reduction of NCD (Step back)
  2. Removal of NCD
We do offer to our customers however, the benefit of adding NCD Protection to their policy, which shields their NCD from any of the above-mentioned options.
PAB is an additional benefit cover, that is paid when an injury to passengers has occurred, regardless of liability for the accident.
Personal Accident Benefit (PAB) is an optional benefit under our Private Motor Vehicles only. This benefit is for persons other than the insured or anyone in his employ-  suffering damage out of the use of the insured's vehicle, covered by the policy and subject to the Limits of Liability.
Guardian General Insurance Limited (GGIL) chooses not to act in the capacity of a licensed valuator. We remind all of our policyowners that the onus lies with you (our client) to review the value of the vehicle on an annual basis. Additionally, we have made an option available for insureds to renew their policies with a decreased value of 10% (as per market standards) without a valuation. A reduction of more than 10% or an increase in value of more than 10% must be supported by a valuator's report for the vehicle.
Guardian General Insurance Limited offers vouchers to our policyowners and named drivers to obtain their Defensive Driving Certificate.
Contact our Client Engagement Centre via our toll-free number: 877-myGG (6944) or email: cec@myguardiangroup.com and an Underwriter will be happy to assist you.
Loss or damage arising from flood hurricane windstorm, tornado, earthquake, volcanic eruption or any other convulsion or nature for vehicles insured for Comprehensive cover.
Windscreen cover provides coverage for damage sustained to the front, rear, door windows, quarter glass, sun and moon roof.

The damage does not have to have had originated from an accident only.
No. Excess amount is not applicable.
No. Windscreen Claims do not affect your No Claim Discount.
Your insurance policy permits that anyone over the age of 25 and a holder of a driving permit for 2 or more years is allowed to drive your vehicle once you have given them permission to do so. Should a person be required to drive your vehicle and they are younger then 25 years of age and/or possess a valid Driver's Permit that is less than two years old this person will not be covered by your policy if an accident occurs unless they are listed as a named driver on your insurance policy. 

Please contact our Client Engagement Centre to have a driver added to your policy or email your request to us cec@myguardiangroup.com.
Waiver of excess is a policy clause that stipulates that if there is an accident regardless of who's fault the excess for insured and spouse will not be applied. 
Guardian General Insurance Limited (GGIL) gives Comprehensive Motor Insurance Coverage to vehicles, up to 12 years of age, however, GGIL does reserve the right to refuse cover to a vehicle that doesn't fall within our preferred underwriting risk profile. 

In certain circumstances, older vehicles are covered on a case by case basis. 

Contact our Client Engagement Centre Centre for more information.
This is an optional benefit available on our Comprehensive Private Motor Vehicles that provides the policy owner use of a courtesy vehicle, in the event the vehicle insured is disabled by reason of loss or damage covered by the insurance policy. Alternatively, GGIL will pay $300.00 per day up to a maximum of ten (10) days per policy period should a courtesy car be unavailable for use.
Your insurance policy permits that anyone over the age of 25 and a holder of a driving permit for 2 or more years is allowed to drive your vehicle, once you have given them permission to do so. Should a person be required to drive your vehicle and they are younger then 25 years of age and/or possess a valid Driver's Permit that is less than two years old, this person will not be covered by your policy if an accident occurs unless they are listed as a named driver on your insurance policy. 

Please contact our Client Engagement Centre to have a driver added to your policy or email your request to us: cec@myguardiangroup.com.
Yes. Your policy coverage is valid within the Republic of Trinidad & Tobago.

Claims FAQs

You are covered for the amount listed under my policy schedule labeled as Sum Insured.

This amount should be supported by a valuation from a recognized valuator.
 
The maximum amount to be paid, will be based on the market value, not exceeding the Sum Insured, of your vehicle immediately prior to the loss, this amount is determined/verified by a valuator. In some cases, there will be a difference between the Sum Insured and the Market Value.
When the cost to return it to its pre loss condition is greater than 60% of the value of the vehicle.
An excess is the amount you pay or we hold back in the event of a claim regardless of who’s to blame for the accident. This amount is calculated as a percentage of your Sum Insured or Market Value as applicable.
All persons receiving a cash settlement are required by law to submit a vat letter. This letter is free of charge and can be obtained at the VAT office or any warden’s office in your district.

Kindly contact our Client Engagement Centre to advise further on the above.
All persons receiving a cash settlement are required by law to submit a vat letter. This letter is free of charge and can be obtained at the VAT office or any warden’s office in your district.

Kindly contact our Client Engagement Centre to advise further on the above.
Due to depreciation.

Depreciation refers to the loss of value of the car with time. As each part of the vehicle wears out with time, the value of your car also diminishes.

In the event of a claim the difference between the cost of the new part and the depreciated part has to be paid by the insured.
After the vehicle is damaged from an accident, it will be worth less than it was before the accident. 

However, it still has some value, which is known as its salvage value. 

Salvage value generally refers to the value of a damaged vehicle that is being treated as a write off.
It depends.

An adjuster is assigned to determine a fair and just settlement of your claim. The amount determined maybe higher, lower or equal to what is quoted on your estimate.
In cases where liability is uncertain an investigator is appointed to interview you, your witnesses, consult with the police and inspect property damage. This information is used to assist in determining liability.
No they are not. After market refers to any new replacement parts for a vehicle that is not manufactured by the car maker/dealer.
Anyone who makes a claim on an insurance policy. 

This person can be the insured or a third party who makes a claim and seeks consideration for their loss and damages.
The duty by the insurer to restore the claimant to their financial position prior to the loss.
Once you selected the courtesy car benefit, as part of your coverage we will provide you with a vehicle for the duration of repairs. Alternatively, if no cars are available we will pay you up to $300 per day. This benefit is limited to ten days for your policy period.
It depends, several factors including the claim is taken into consideration at your renewal stage and this may/may not cause an increase in your premium.
No you don’t. this benefit is automatically included in your policy .
If you are held liable for the accident, your excess is not refundable. In the event that you are not liable, the process of subrogation takes effect whereby the insurer seeks to recover from the other insurance company or the negligent party.
When you are held partially responsible for the accident.