DRIVE WITH CONFIDENCE

Whether your car is the love of your life or just to get you from point A to B drive easier knowing you are covered.

Tell us about your cars. We'll listen And then work with you to make sure you've got the best coverage.

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PRIVATE AUTO INSURANCE

Whether your car is the love of your life or just to get you from point A to B drive easier knowing you are covered. Protection for damages to your motor vehicle, motorcycle or golf cart. Choose from the options below:

  • Third Party Only covers your legal liability, third party property damage and medical expenses for third party injury.
  • Comprehensive covers accidental damage, theft and/or fire damage to your vehicle, your legal liability, third party property damage and medical expenses for third party injuries. We also offer New Car Replacement cover for brand-new vehicles.

Provides coverage for vehicles used for business purposes. There are various types of coverage available. Coverage can be provided for losses related to accidents, theft, or damage and it also extends to include legal liability coverage for death or bodily injuries and/or property damage to third parties (others).

Which auto insurance is right for you?

Yes, car insurance is mandatory in The Bahamas. You must have at least third-party auto insurance coverage to legally drive on Bahamian roads. This requirement ensures financial protection in case of accidents, covering damages or injuries caused to others.

 

The two main types of car insurance coverage in The Bahamas are Third-Party Insurance and Comprehensive Insurance:

  • Third-Party Insurance: This is the minimum mandatory auto insurance required by law. It covers your legal liability for bodily injury, death, and property damage caused to others in an accident involving your vehicle.

  • Comprehensive Insurance: This offers broader protection, covering damage to your own vehicle due to collisions, theft, fire, vandalism, and other risks, in addition to providing Third-Party Coverage.

Choosing the right car insurance policy depends on your needs, budget, and the level of financial protection you want for your vehicle.

To obtain auto insurance in The Bahamas, you typically need to provide the following:

  • Valid Driver’s License – A current and valid Bahamas driver’s license or an internationally recognized license.
  • Proof of Vehicle Ownership – This can include documents such as:
    • Title Certificate
    • Customs Slip (for imported vehicles)
    • Invoice from Car Dealership (for newly purchased vehicles)

Ensuring you have the proper car insurance documents is essential for legally operating a vehicle on Bahamian roads.

Your auto insurance premium in The Bahamas is influenced by:

  • Driving record – Fewer violations and accidents mean lower rates.
  • Accident history – Previous claims can increase costs.
  • Age & experience – Younger drivers typically pay more.
  • Vehicle type – Luxury or high-performance cars may have higher premiums.
  • Location – High-risk areas can affect pricing.
  • Coverage level – Comprehensive insurance costs more than third-party coverage.

Yes, you can transfer your auto insurance policy to another vehicle you own, provided you submit proof of ownership. The remaining coverage will be applied to your new vehicle.

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Since 1997, Colina General has been protecting policyholders by offering trusted coverage, mitigating risks, and delivering expert service. Auto. Home. Marine. Commercial.

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Colina Holdings Bahamas Limited Group of Companies