Auto Insurance

Car insurance coverage is not only the law in The Bahamas, it is essential to protecting you, your passengers, your finances and other drivers. A Colina General Auto Insurance policy protects you in the event of an accident.  We also offer the services of First Response, an onsite accident assistance program that’s FREE to all Colina General Auto Insurance customers in New Providence.

We offer a variety of coverage options to suit your needs and budget:

Third Party: Protects you from liability for damage to other people’s property and for death or bodily injury to persons outside your vehicle if an accident is your fault.

Third Party, Fire & Theft: Protects you as per Third Party and covers the cost of replacing your stolen or burnt vehicle.

Comprehensive: Covers all of the above plus accidental damage to your vehicle caused by collision or vandalism.

Commercial Motor: We offer two types of Commercial Motor Insurance for the cars, trucks vans and trailers used in your business:

  • Third Party Cover insures your liability to others in the case of a car/motor vehicle accident. This does not include liability to employees while they are working as they are covered by Employers Liability insurance. (link to Employers Liability insurance section on this page)
  • Comprehensive Insurance Cover includes Third Party protection plus covers in the event of accidental damage, regardless of who is at fault.  Coverage will also reimburse you if your vehicles are stolen of if the driver injures a person or property.

If you or your employees use your own private vehicle in your business, then you should inform your insurers as you may not be covered for business use, except when traveling to and from work.

Personal Accident (PA): Provides 24-hour worldwide coverage for accidents which result in death, loss of limb(s), sight, hearing or speech as well as Permanent Total Disability (unable to work in any occupation without hope of recovery).

Preferred Repairer Network: We also offer a hassle-free “preferred repairer” claims service benefit that allows customers to submit only one claim for repairs, dramatically reducing the length of the claims process.

Loss of Use Benefit: For all Comprehensive policyholders, your car rental costs are covered while your vehicle is being repaired.

  • Limits are $50 per day subject to a maximum of $500 per claim.
  • Benefit can only be claimed once per policy period unless reinstated through the payment of an additional premium.
  • Benefit does not apply to vehicles that are lost or damaged by a catastrophe peril.

AutoSafe Vehicle Pre-Insurance Inspection Service: Our pre-insurance “AutoSafe” inspection service is a FREE service provided to our customers by Bahamas First. Customers obtain an appraisal of vehicle’s value and roadworthiness. The advice gives you detailed information about what’s going on under the hood and can help save lives, reduce costs of claims and keep motor premiums at a reasonable level.

Let Colina General provide you with The Bahamas’ best auto insurance coverage. Contact us online or at (242) 677-2050 today.

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