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Car Insurance

Road conditions can get complicated to say the least. Thankfully, CG United makes motor cover simple.

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It pays to be a good driver

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Protect yourself on & off the road

Don’t pay for damages all by yourself. Our motor insurance helps you cover the costs of unexpected vehicle damages, replacement and theft, so you can drive without worry.

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No claims. Bigger discount.

If you didn’t file a claim during your last policy period, you can receive a discount when you renew —whether you're new to CG United or have been with us for years.

Everything included in your auto policy

Third Party Liability

Third Party Liability covers expenses for the other person’s injuries and death or their vehicle and property damage in a collision where you are at fault.

Available in Third Party, Third Party Fire & Theft and Comprehensive.

Damages to Your Own Vehicle

We pay for the repair or replacement of your vehicle, after a collision, hurricanes, theft, and more. 

Available in Comprehensive only

Windscreen Damage Protection

Paying out of pocket for a new windscreen can be expensive and inconvenient. We cover the cost of replacing your windscreen if it is damaged or shattered by an accident, vandalism, theft, or weather.

Available in Comprehensive only

New Car Replacement

If your brand new car is damaged beyond repair during the first year of your policy, where the cost of repairs is greater than 70% of the current purchase price, we will pay you full value for a new replacement car.

Available in Comprehensive only

Get a Quote

Compare cover & find the right option for you

Use the tool below to compare our 3 motor insurance options and find the right one for you.

  • Choose the plan you would like to compare

    Most popular

    • All-inclusive cover to protect you and your car against collision, theft, fire and natural disasters.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Wear and tear or mechanical breakdown

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Our minimum cover offering with fire and theft protection included.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Collision damage to your vehicle

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • The Minimum amount of cover we offer.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Any damage to your vehicle

        • Theft or attempted theft of your vehicle

      Get a quote

      Limits, conditions, and exclusions may apply

  • Choose the plan you would like to compare

    Most popular

    • All-inclusive cover to protect you and your car against collision, theft, fire and natural disasters.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Wear and tear or mechanical breakdown

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Our minimum cover offering with fire and theft protection included.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Collision damage to your vehicle

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • The Minimum amount of cover we offer.

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses for the person driving your vehicle (*limits apply)

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver (Affects No Claims bonus and an excess applies)

        • Towing for your car following a collision

        • New Car Replacement (within 12 months and damage sustained greater than 70% of the current purchase price)

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Loss of Use Alternative Vehicle/Transportation in the event of an accident up to 7 days, you may purchase 14 or 21 days

        • Legal Defense Charges (Manslaughter) (*limits apply)

      • Not included in the plan

        • Any damage to your vehicle

        • Theft or attempted theft of your vehicle

      Get a quote

      Limits, conditions, and exclusions may apply

What our customers say

L James

I have been a client for just over a year and I have had nothing but friendly, efficient and professional services. Great prices also for vehicle insurance.

T Brown

Wonderful smiling friendly face at the reception, fast excellent service. Nice experience.

S Gillespie

I bought third party car insurance through a wonderful agent, very friendly, knowledgeable and professional. The rates are great 

G Fernander

My husband and I have been customers for a number of years now and have always been pleased with the service. The team is very professional and responsive.

K A Gordon

Recently switched from another company with a higher cost and less benefits.

B Turner

Awesome rates, and great service!

M Butler

 Quotes were delivered on time, competitive and within budget. The customer service team is friendly and responsive. 

T Dolce

I’ve been using this company for some time now and they have never let me down.

Download forms

Application

Motor Insurance Proposal Form

Claims

Motor Accident Report - Third Party Claimant
Motor Claim Form

Frequently asked questions

Check to make sure that you and your passengers are ok. If anyone is seriously injured, call 911 immediately. After confirming that everyone is safe, make sure that you exchange details with the other driver/s. These details should include: Name; contact info; registration number; the name of each person’s insurance company; the location of the accident; and the make, model & colour of each vehicle. Do not admit any fault. Be sure to take pictures from multiple angles of all vehicles involved, as well as the location. Obtain a copy of the police report if the authorities are involved. Contact CG as soon as possible even if you do not intend to make a claim.

Call the police right away to file a report. Contact CG directly afterward by phone, email, or in-person so that our claims team can walk you through the process.

If a tree falls on your car, your comprehensive motor policy will likely cover the cost to repair the damage. However, there are times when this might not be covered by your policy, for example, if you are cutting down a tree yourself and it falls onto your vehicle. In any event, it is important to contact us to speak with a team member as soon as possible.

Speak to a CG representative to find out about the Comprehensive and Third Party options we can offer to protect your vehicle.

For a motor insurance claim we require: the operator’s driver’s licence, a police report if authorities attended, details of the incident, and the insured’s name and policy number. A claim form can be obtained at our Forms page.

You can change your address by contacting CG via phone call, email, making a visit to our office.

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