DIAMOND MAX RATING GUIDE
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2 DIAMOND MAX RATING GUIDE TABLE OF CONTENTS Page Section 1 Policy Benefits 2 Section 2 Eligibility Criteria 3 Section 3 Basic Premium 4 Section 4 Premium Discounts 5 Section 5 Rental Benefit 6 Section 6 Minimum Premiums 6 Section 7 Policy Excess (Standard) Shrinking Excess 7 Section 8 A. Third Party Limits of Liability B. Optional cover for increased Limits 8 Section 9 Underwriting Requirements Notes 9 10 Appendix A - High Performance Vehicles 11 FACT SHEET NO FAULT DISCOUNT 12 10/16 1
3 EFFECTIVE DATE: December 1, 2016 SECTION 1: POLICY BENEFITS 1. New Vehicle Replacement - Vehicles less than a year old are replaced If damage exceeds 60% of pre-accident value 2. No Fault Discount - If Insured has not made a claim or having made a claim is not at fault, they keep their discount 3. Rental Benefit - Up to three weeks use of a rented car following an insured loss (at an additional cost) 4. Breakage of glass (window or windscreen) without loss of No Claim Discount - Unlimited in amount, one claim per policy year 5. Protection and Removal (Wrecker Fee) - $50,000 per event 6. Legal Defence Costs for Manslaughter - $500,000 per event 7. Medical Expenses (including passengers) - $10,000 per person, $30,000 per accident 8. Personal Accident - $250, Personal Effects - $10, Contribution to Loss of Use - $1,500 per day, maximum 15 days per event 11. Shrinking Excess - applicable after 3 claims free years of insurance with BCIC 12. Increased Limits of Liability - See Page 8, SECTION 7B 13. ASSIST - Accident Scene and Breakdown Assistance All major thoroughfares (and adjacent areas in close proximity) islandwide 10/16 2
4 SECTION 2: ELIGIBILITY CRITERIA Proposer o Proposer/Main Driver must be between 60 years and 80 years old at the time of proposing insurance Claims Experience o There should be no claims made by or against the Proposer(s)/Main Driver within the last three (3) years Number of Vehicle Use of Vehicle Only one (1) vehicle per Proposer unless 2 nd vehicle is primarily used by qualified spouse The use of the vehicle to be insured must be for social, domestic and pleasure purposes and by the policyholder in person in connection with his business Driving Experience o Proposer/Main Driver should be driving for at least one (1) year Driver s Licence o Convictions o Proposer/Main Driver should hold a Full Driver s Licence for no less than 5 years There should be no motoring convictions such as dangerous and reckless driving, vehicular manslaughter, speeding etc in the last 3 years. High Performance Vehicles o These are not eligible for cover under this policy (See Appendix A) 10/16 3
5 SECTION 3: BASIC PREMIUM Sum Insured Range COMPREHENSIVE COVER ONLY Own Damage Standard Group1* Group2 Third Party $300,000 to $599, % 19.50% 19.50% $600,000 to $2,499, % 7.80% 5.60% $30,000 $2,500,000 to $7,499, % $7,500,000 to $15,000, % Over $15,000,000 Refer to BCIC Group 1: Toyota Probox, Vios, Vitz, All Corollas including Fielder, Sprinter, Axio, Runx ; Honda Fit, Nissan Tiida Group 2: Nissan - Sunny, Toyota - Caldina, Rav 4; Honda Civic, Accord, CR-V, Stream, Mitsubishi - Lancer, Pajero; Suzuki Vitara, Grand Vitara Group 1 and 2 cars can be covered at Standard rates if theft is excluded All other motor cars qualify for Standard rates 10/16 4
6 SECTION 4: PREMIUM DISCOUNTS NO FAULT DISCOUNT (NFD) If the Insured has not made a claim or having made a claim is not at fault, they keep their discount. After: One year 10% Two years 20% Three years 40% Four years 60% NO FAULT DISCOUNT STEP-BACK If the Insured is earning the maximum NFD, in the event of an at-fault claim, the NFD step-back will be to Year 2 (20%). However, all earned discount up to 40% will be lost in the event of an at-fault claim. If you change your car insurance provider, you can bring your No Claim Discount from that insurer to BCIC and we will apply our NFD rules. If there are any pending No Fault Accidents that meet our conditions to allow a NFD, full accident details will be required from your prior insurer and will be subject to our review and approval. The Company reserves the right to vary the NFD Scale depending on the nature & circumstances of a claim. OTHER DISCOUNTS Other Policy/Vehicle 5% GPS tracking device 10% - (Only for cars in Groups 1-2 covered against Theft. The device must be certified each renewal by the service provider) 10/16 5
7 SECTION 5: RENTAL BENEFIT Period of Rental Premium Per Vehicle Size (After Discounts and Loadings) Compact Mid-Size SUV 1 Week $3,300 $4,600 $5,600 2 Weeks $6,600 S9,200 $11,200 3 Weeks $9,900 $13,800 $16,800 SECTION 6: MINIMUM PREMIUMS New Business & Renewals $32, Premium Generating Endorsements $3,500 A policy may be terminated at any time Cancellation of Cover 1. By the Insured whereby we will allow a pro-rata refund of premium for the unexpired portion of cover less 25% of this amount. 2. By BCIC upon the required notice, whereby we will allow a pro-rata refund of premium for the unexpired portion of cover. 10/16 6
8 SECTION 7: POLICY EXCESS The standard excess applicable for loss of or damage to the insured vehicle is five (5%) percent of the sum insured; minimum of $15,000 and maximum of $100,000. SHRINKING EXCESS In the event of no claim by or against the insured the excess will be reduced to the amounts shown below: After 3rd renewal 3.5% After 4 th renewal 2.5% Minimum $15,000; Maximum $70,000 Conditions DRIVERS under 30 years old EXCESS (% of Sum Insured) 25% Minimum $45,000 holding a Full Licence for less than 12 months 20% $45,000 10/16 7
9 SECTION 8(A): THIRD PARTY LIMITS OF LIABILITY Standard Third Party Limits Bodily Injury - $5,000,000 any one person $5,000,000 any one accident Property Damage - $5,000,000 any one accident SECTION 8(B): OPTIONAL COVER FOR INCREASED LIMITS INCREASED THIRD PARTY LIMITS OPTION I OPTION II Bodily Injury - $10,000,000 any one person Bodily Injury - $20,000,000 any one person $10,000,000 any one accident $20,000,000 any one accident Property Damage- $10,000,000 any one accident Property Damage - $20,000,000 any one accident ADDITIONAL PREMIUM - $10,000 (GROSS)* * before discounts and loadings ADDITIONAL PREMIUM - $15,000 (GROSS)* 10/16 8
10 SECTION 9: UNDERWRITING REQUIREMENTS Driver s Licence Driver s Application Form Vehicle Valuation Copy of current Driver s Licence (front and reverse) Completed for every individual who will reasonably be expected to drive the vehicle. Valuation only upon request from a BCIC approved motor vehicle Valuator or alternately Pro Forma Invoice from Dealer for new vehicles Proposal Form Completed and signed Proposal Form (all questions must be answered) Note: If the occupation of the Proposer or any Driver is described as unemployed, self-employed, business person or civil servant, full details of their current (or previous for retired/unemployed persons) trade or profession must be stated. Client Information Form Completed and signed Proceeds of Crime Act (POCA) Client Information Form (all questions must be answered) Proof of Address TRN Medical Report Copy of utility bill or post marked envelope addressed to the proposed insured as proof of residential address. Taxpayer s Registration Number (TRN) BCIC s Medical Report Form must be completed by a Doctor for drivers 80 years of age or older Vehicle Documents Vehicle Registration Certificate Certificate of Fitness 10/16 9
11 NOTES Main Driver o The person (insured or other) who is in charge of the vehicle most often, which means they are the person who makes the most journeys as the car s driver. Age of Vehicle o Vehicles up to 20 years old are acceptable as New Business Type of Vehicle o High performance cars are not eligible for cover under this policy (See Appendix A) Valuation Waiver o In instances where a waiver for valuation is requested, the Insured will be required to sign a Waiver of Valuation Declaration Vehicle Value o All vehicles must be insured for their full market value. o Values based on Duty Concessions or Forced Sale are not acceptable. Physical Disabilities o refer before granting cover Specially adapted vehicles o refer before granting cover Driver s Licence o Persons holding a Foreign Driver s Licence are allowed to drive in Jamaica with that Licence for a period not exceeding six (6) months. Thereafter they must apply for a Jamaican Driver s Licence. 10/16 10
12 APPENDIX A HIGH PERFORMANCE VEHICLES HIGH PERFORMANCE (50% Loading) Make Model Make Model Acura NSX Mazda RX7 Audi R8 Mercedes-Benz BMW All M Series CLA/ CLK/ CLS/ CLS 63/ CLS 500/ CLS 550/ CS 55 AMG/ E63 AMG/ ML63 AMG/ S550/ S600/ SL/ SLK Mitsubishi Evolution (1 through 10) Chevrolet Corvette Nissan Skyline GT-R Turbo Dodge Viper Subaru Lexus FLA Toyota Impreza WRX STI/ Impreza WRX Turbo/ Legacy Turbo/ Liberty Turbo/ BRZ 86/Celica Turbo/ MR2 Turbo/ Levin/Trueno Supercharger/ Starlet GT Turbo/ Supra Twin Turbo APPENDIX B REFERRALS (Accommodation only) Toyota LiteAce Toyota TownAce Toyota Noah Vehicles on this list must be referred before any quotation is given. 10/16 11
13 FACT SHEET NO FAULT DISCOUNT What is a No Fault Discount (NFD)? A No Fault Discount (NFD) is a discount that the Insured earns if he does not make an at-fault claim on his car insurance policy. If no at-fault claim is made under the policy, the No Fault Discount will be increased at renewal as per the No Fault Discount Scale on Page 5. How will the NFD be affected if a claim is made under the policy? If an event occurs that we anticipate might give rise to a claim under the policy in Years 1, 2 or 3, the NFD will be removed. However, if the Insured is earning the maximum NFD, the Discount will be reduced to Year 2 Discount. Are there any events that will not affect the NFD? Typically, any Discount earned will be reduced or removed if a claim is made under the policy. At BCIC the NFD will NOT be removed or reduced in the following situations unless there is clear evidence that the Insured is in fact at fault: Rear End Collision: Where the car is struck flush in the rear by another vehicle. Parked Vehicle Collision: Where the vehicle is struck by another vehicle while it is lawfully and safely parked on the roadway. Major/Minor Road Intersection Collision: Where the vehicle is lawfully travelling on the major road in its proper lane and is struck by another vehicle exiting the minor road. Where loss or damage to the vehicle is as a result of Theft, attempted theft, Fire, Flood or an Act of God, and did not result from any recklessness on the part of the Insured. 10/16 12
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