📞 (868) 678-5921 Track a claim
Trinidad & Tobago · Motor · Health · Property · Life

Something happened.
Let's get your claim moving.

File your claim from your phone in about ten minutes. Photograph your documents, upload them straight to our claims file, and walk away with a reference number — no queue, no folder of paper, no trip to the branch.

Start my claim Check an existing claim
4 linesMotor, health, property & life
~10 minTypical time to file
Phone photosAccepted for every document
Instant refQuote it on any call

⏱️ Just happened? Do these four things first.

1. Make everyone safeInjuries first. Ambulance 811, Police 999, Fire 990. Nothing on this page matters more than that.
2. Report it to the policeFor any motor accident, theft, burglary or malicious damage — report at the nearest station and ask for the report or station diary extract number.
3. Photograph everythingDamage, the whole scene, both vehicles, number plates, the road, and the other driver's permit and insurance certificate. Take more than you think you need.
4. Admit nothing, repair nothingNever accept blame at the scene, and don't start repairs until the claim is inspected or approved in writing.
File a claim

Five short steps.

Everything you type is saved on this device as you go, so you can stop, find a document, and pick up exactly where you left off.

What kind of claim is this?

Pick the policy you are claiming against. We will only ask for the documents that actually apply to it.

Prefer the old forms? You can still use the health claim e-form or call the branch on (868) 678-5921.

Already filed

Where is my claim?

Enter your reference and the last four digits of the mobile number you filed with.

Straight answers

The questions we get asked most

If yours isn't here, call the branch — we would rather answer it than have you guess.

Can I file if I don't have the police report yet?
Yes, and you should. Tap "I don't have this yet" on the police report and file the rest now. The claim gets a reference and starts moving; you send the report when the station gives it to you. Waiting for one paper before filing anything is the most common reason a claim drags on for weeks.
Are phone photos good enough, or do I need scans?
Phone photos are fine for every document here. Lay the paper flat, use good light, get the whole page in the frame including the edges, and check the text is readable before you attach it. If a document runs to several pages, photograph each page and attach them all.
What does my excess mean for the payout?
The excess is the first portion of every claim that you carry yourself — it is deducted from the settlement, not billed to you. If your repair is assessed at $18,000 and your excess is $2,500, the insurer pays $15,500. For very small losses it is worth asking whether claiming is worth it at all, because a claim can also affect your No Claim Discount at renewal.
Will claiming cost me my No Claim Discount?
Usually a claim reduces it, but not always to zero. Guardian's motor step-back protection means that once you have reached the third-year discount a single claim steps you back rather than wiping you out — 50% steps back to 30%, 60% to 40%. And after two or more years at the maximum 60%, one claim doesn't touch it at all. Glass-only claims under the windscreen benefit (OEB 2) don't affect it either.
Is flood damage covered?
Only if you carry OEB 1 — Special Perils. The standard motor and property policies exclude flood, hurricane, windstorm and earthquake. In Trinidad & Tobago that add-on has saved more vehicles than any other. File anyway if you are unsure — we will check your schedule and tell you plainly where you stand.
Can I start repairs while I wait?
No — not until the loss has been inspected or you have written approval. Repairs done beforehand may not be reimbursed, because nobody independent has seen the damage. If the vehicle is undrivable or your home is unsafe, call us first and we can authorise emergency work to secure things.
How long does a claim take?
A straightforward motor or health claim with complete documents typically settles in a few weeks. Claims involving a third party, a police investigation, an overseas provider or a total loss take longer. The single biggest factor is document completeness — that is exactly what this page is built to fix.
Who can see what I upload?
Your documents go into a private folder for your claim only, reachable by the claims team handling it and by your agent. They are not published anywhere and are never shared outside the assessment of your claim.