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If your property has been damaged, here's what you need to know about making a claim:
  • 1 Keep your receipts and estimates
  • 2 Review your policy to confirm coverage
  • 3 Submit a claim form
  • 4 Take photos of your property Damage
  • 1 Have your vehicle inspected by the Bahamas First Motor Engineering Department.
  • 2 Submit a claim form
  • 3 Submit a copy of the police report
  • 1 Submit a claim form
  • 2 Submit a copy of the police report
  • 3 Submit pictures of the damaged vessel
  • 1 Submit a copy of the police report
  • 2 Submit an Incident Report
  • 1 Submit a copy of the police report
  • 2 Submit an Incident Report

Frequently Asked Questions

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FGIAB offers the following insurance products: motor, home, commercial, contents, contractors all risk, liability and marine.
Third Party - Protects you from liability for damage to other people's property and for death or bodily injury to those persons. Third Party, Fire & Theft - Protects you as per Third Party and covers the cost of replacing your stolen or burnt vehicl...
If you are involved in a motor accident, you should: • Check for injured persons, note the type of injuries and call for the ambulance if necessary, and the police. • Look for witnesses and write down their names and addresses. ...
Contents insurance covers items in your home that you could take with you when you move - from drapery and carpets to television/electronics and washing machines. It also includes clothing, personal possessions and valuables.
If you have underinsured your home and there is a loss then the “Average Calculation” will apply. The concept of Average is: For partial damage, all homes that are not fully insured become subject to Average and you are your “own insurer”...
This is the premium discount given to drivers based on their claims history.
The deductible is the amount that must be paid out of pocket by the policyholder before an insurance provider will pay any benefits. This applies to both Home and Motor policies.
No, FGIAB offers a flexible payment plan and you can choose several methods: • Post-dated cheques • Credit or Debit Card • Online payments through various banks • Wire Transfers Note that in the event of a claim, all...
There is no grace period for expired insurance policies; your policy should be renewed on the stated renewal date.
VAT will be charged on the following General Insurance Products (Motor, Commercial, Marine, Liability, and Aircraft) however Residential Property Insurance policies will be VAT exempt.
The VAT increase of 12% on General Insurance Products became effective as of July 1, 2018.
Yes, all claims on private dwellings covered under a Homeowner’s Policy will be subject to the inclusion of the 12% VAT charge on repair cost.

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