Frequently Asked Questions - JN General Insurance | JNGI


Frequently Asked Questions

Motor Insurance

Otherwise called a deductible, is the first portion of a claim for damage to your vehicle. You are responsible for paying this amount regardless of who is at fault. *Your insurance will pay for the remainder of the claim subject to the policy limit

For example, if your policy excess is 5% of the sum insured:

Motor car insured for 1,000,000

Accident amounting to 200,000

Excess is 5% of SI or 50,000

You absorb 50,000

*We pay 150,000


*conditions apply

  • To reduce the cost of insurance
  • To eliminate small claims
  • To protect your asset by ensuring that you exercise due caution while driving, as the insured will be expected to bear some costs.

The higher excess is charged in cases where the risk of an accident occurring is higher than normal, subject to the type of vehicle and age and experience of the insured and/or driver.

5% or higher subject to other policy conditions

Year       Private Car Comprehensive Cover                 Commercial Comprehensive Cover


Yr. 1                          20%                                                                  20%

Yr. 2                          35%                                                                  30%

Yr. 3                          45%                                                                  40%

Yr. 4                          60%                                                                  55%

Yr. 5                          65%                                                                  60%


Year         Private Car Third Party Cover                          Commercial Third Party Cover


Yr. 1                         15%                                                                 20%

Yr. 2                         20%                                                                 30%

Yr. 3                         30%                                                                 40%

Yr. 4                         40%                                                                 40%

Yr. 5                         45%                                                                  45%

The main factor for escalating premiums is the overall poor claims experience of the motor pool. All premiums collected are pooled together to pay for claims. If there is a significant increase in the number and costs of claims within the annual contract, the entire pool will be adjusted the following year. However, your no-claim bonus serves to provide a savings for those who have not depleted the pool.

  • 50% deposit, balance due in 30 days
  • Premium Financing through JN Finance or any of our other approved financiers
  • Pay your premiums online using our Easy Payment options through JNLive, Scotia Online or NCB ELink.

Premium financing is offered through JN Finance Ltd and other approved premium financiers. The terms on offer from JN Finance Ltd are as follows:

  • Deposit 20%
  • Balance spread over 3 to 9 months (balance can be paid at any JN branch, JN Finance or JNGI)
  • Low interest rate

NOTE: No financing on Third Party policies

Once you have submitted all the required documents, you will receive your certificate electronically within  five (5) working days. For Shorty policies you may receive only an electronic Cover Note for the duration of your policy.

Your insurance certificate will be sent electronically within ten (10) working days once you have submitted all the required documents. If you have any outstanding documents, you will be required to submit them via email to or upload them from your JNGI Online account  and thereafter, the certificate will be emailed to you. For Shorty policies you may receive only an electronic Cover Note for the duration of your policy.

Home Insurance:

This is generally covered under our Home Owner’s Policy. You should make a note of what is damaged or stolen and report the matter immediately to the Police.

Generally, your JNGI Home Owner’s policy covers this situation. However, any of our Claim representatives would be happy to explain what your policy covers.

In Jamaica, we live with the reality of weather-related emergencies such as earthquakes, hurricanes and floods occurring at any time and affecting a large number of customers. Members of our Catastrophe Team are specially trained to handle your catastrophe claim and to get you back on your feet as quickly as possible. All of our insurance products, including motor, residential and commercial property, building under construction, among others, that include cover for catastrophes, are supported by the Catastrophe Team.

Depending on the conditions, we may advertise in the local media, with specific instructions for getting help with your claim.

Insurance is designed to cover the cost of unexpected losses. It does not cover wear and tear. If your property is not in a good state of repair, your claim may not be paid in full.

Yes. For certain damage cover is restricted after 30 days of the premises being left unoccupied

Current Valuation (not older than 1 year)

Policies can be extended to provide loss to your possessions while they are away from the home.

JNGI’s Home Owners’ policy typically covers damage to the physical structure of the home, or damage to the contents of the home if insured, due to Fire, Lightning Explosion, Hurricane, Windstorm, Earthquake, Volcanic Eruption, Flood, Riot, Strike, Malicious damage, Impact damage, Burglary, Theft, Liability and where agreed, “All Risks” cover on certain items.

If your policy has cover for alternative accommodation and a loss that your policy covers makes your home uninhabitable, then your policy would pay for additional living expenses needed to maintain your normal standard of living. Check your JNGI policy to see if you have coverage for Alternative Accommodation and what your limits are. One of our helpful Claim representatives can also assist you with these and other questions.