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How Can Insurance Help Me?

 

General Insurance

General insurance protects you and your assets from the financial risk of something going wrong.

It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.

That means that if something goes wrong, you’re much less likely to have to raid your savings or your investments, borrow money, ask family or friends for financial help, or sell your assets to pay for repairs, building or outstanding debts.

You won't have to rely on assistance from governments and community groups that usually only help in disaster situations such as floods or bushfire where the assistance might not reflect the extent of your loss and so may not help you to rebuild your life.

 

Reasons to buy Insurance

     High valueTo protect something they have purchased that has a high value (such as a house, a car or perhaps jewellery or a painting) and which would be expensive to replace. Often a loan has been taken out to purchase the itemsCatastropheTo protect their property and possessions against a disaster, such as a fire, flood, cyclone or other calamityA specific eventTo protect them when they are doing something not covered by their normal insurance policies, such as traveling overseasLiabilityTo provide financial protection if sued – for example, if a visitor should sue you for negligence after injuring themselves on your property

 

Protect what's important

When you take out an insurance policy, you need to do some thinking about what is important to you, and how much you are willing to put aside to protect those things if you were faced with their loss.

Most people are willing to pay an insurance premium to protect things such as their home and its contents, their car, boat or caravan. Business owners will usually also take out insurance cover to protect assets and stock, and to provide financial help if they face legal issues.

Choosing an insurance policy is a matter of identifying what’s important to you.

Capita Insurance Brokers Inc.

Co-operators General Insurance Building,

Collymore Rock,

St. Michael,

Barbados.

Contact: (246) 434-3245

E-mail: info@capitacaribbean.com

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