Private Vehicle Insurance
Navigating the world of car insurance can be tricky, especially when deciding between comprehensive and third-party coverage. In Belize, RF&G Insurance offers both options, catering to various needs and vehicle types. Let’s break down the differences and help you choose the right protection for your ride.
Comprehensive Coverage:
- Mile after mile: Covers damages to your vehicle regardless of fault, alongside third-party liability.
- Financial protection: Minimizes personal costs after accidents, covering repairs or replacements.
- Eligibility: Available for vehicles under seven years old.
- Additional benefits: Some plans include windshield replacements without impacting your No Claims Discount.
Third-Party Coverage:
- Minimum legal requirement: Meets Belizean law by covering third-party injuries and property damage caused by you.
- Budget-friendly: Often the more affordable option.
- Limited protection: Does not cover your vehicle in case of accidents, regardless of fault.
Vehicle Types Covered by RF&G:
- Cars & Trucks
- Tractors & Trailers
- Golf Carts & Motorized Heavy Equipment
- Cranes
Ready to find the perfect car insurance plan for your needs? Contact RF&G Insurance today for a personalized quote and expert guidance.
Limits of Liability
Third Party Bodily Injury per person up to
Third Party Bodily Injury per accident up to
Third Party Property Damage per Accident up to
Accidental Damages to own vehicle:
BZ$50,000.00
BZ$200,000.00
BZ$20,000.00
No
Third Party Bodily Injury per person up to
BZ$50,000.00
Third Party Bodily Injury per accident up to
BZ$200,000.00
Third Party Property Damage per Accident up to
BZ$20,000.00
Accidental Damages to own vehicle:
No.
Product | Period of Cover | |
|---|---|---|
3-Month Third Party Act Only | 3 months with a 9 month optional extension available | |
Third Party Act Only | Annual | |
Coverage/Period: The legal minimum liability required under the Motor Vehicle Insurance (Third Party Risks) Act.
Limits of Liability
Third Party Bodily Injury per person up to
Third Party Bodily Injury per accident up to
Third Party Property Damage per Accident up to
Accidental Damages to own vehicle:
BZ$1,000,000.00
BZ$1,000,000.00
BZ$250,000.00
No
Third Party Bodily Injury per person up to
BZ$1,000,000.00
Third Party Bodily Injury per accident up to
BZ$1,000,000.00
Third Party Property Damage per Accident up to
BZ$250,000.00
Accidental Damages to own vehicle:
No.
Coverage/Period: Third Party liability for injury to persons and damage to property. This is a yearly policy.
Limits of Liability
Third Party Bodily Injury per person up to
Third Party Bodily Injury per accident up to
Third Party Property Damage per Accident up to
Accidental Damages to own vehicle:
BZ$1,000,000.00
BZ$1,000,000.00
BZ$250,000.00
No
Third Party Bodily Injury per person up to
BZ$1,000,000.00
Third Party Bodily Injury per accident up to
BZ$1,000,000.00
Third Party Property Damage per Accident up to
BZ$250,000.00
Accidental Damages to own vehicle:
No.
Product | Accidental DamageCover | |
|---|---|---|
Third Party Fire & Theft | For Fire & Theft Only | |
Comprehensive Only | Loss or damage to the Insured vehicle by accident, theft and fire. Also includes glass breakage replacement with no deductible and no loss of discount (One per policy year) | |
Comprehensive & Hurricane | Loss or damage to the Insured vehicle by accident, theft, fire, hurricane, flood or windstorm. Also includes glass breakage replacement with no deductible and no loss of discount (One per policy year) | |
Coverage/Period: Policies available on an annual basis.
"Act Only"
"Million Dollar"
& Liability
Limits of Liability
Third-Party Liability Bodily Injury – per person – per accident
Third-Party Bodily Injury per accident
Third-Party Property Damage per Accident
BZ$50,000.00
BZ$200,000.00
BZ$100,000.00
A quotation will be made upon acceptance of the Proposal by the Company. In certain circumstances, you may be required to bear the first part of the cost of each claim.
Coverage/Period: The legal minimum liability required under the Motor Vehicle Insurance (Third Party Risks) Act.