Review your policy details below, make sure your cover still matches your life, and send us your renewal instructions in under two minutes. We handle the rest with Guardian.
Most people renew on autopilot. Two minutes here means you renew with confidence — and never discover a gap on the day of a claim.
The fullest motor cover available. Protects other people and your own vehicle.
The middle option — third party cover plus protection if your vehicle is stolen or burns.
The legal minimum to drive in Trinidad & Tobago. It protects everyone except your own vehicle.
Your homeowners policy typically covers the building (rebuilding cost — not market value) and can cover contents (furniture, appliances, electronics). At renewal, ask yourself: have you renovated, extended, or bought big-ticket items this year? If yes, your sums insured probably need updating — and the average clause below applies to home policies too.
Straight from the Guardian General Private Motor Vehicle Policy wording — the discounts you've earned, the add-ons you can take at renewal, and the fine print that catches people out. Read the full policy, decoded →
| Claim-free period | Discount |
|---|---|
| 1 year | 30% |
| 2 consecutive years | 40% |
| 3 consecutive years | 50% |
| 4+ consecutive years | 60% |
Step-Back protection: once you've reached the 3rd-year discount, a single claim doesn't wipe you out — 50% steps back to 30%, 60% to 40%. And after 2+ years at the maximum 60%, one claim doesn't touch your discount at all.
| Claim-free period | Discount |
|---|---|
| 1 year | 15% |
| 2 consecutive years | 20% |
| 3 consecutive years | 25% |
| 4+ consecutive years | 35% |
Each vehicle earns its own discount, even on one policy. Not sure what you've earned? Ask when you confirm your renewal — it directly reduces your premium.
Renewal is the easiest moment to add these — ask for a price on any of them in the form below.
Here's the surprise: the standard policy excludes flood, hurricane, windstorm and earthquake. OEB 1 removes that exclusion. In Trinidad & Tobago, this one add-on has saved more vehicles than any other.
ComprehensiveGlass-only claims paid with no excess and no effect on your No Claim Discount, with free reinstatement up to $2,500 once per period.
Comprehensive · Fire & TheftWhile your car is being repaired after a covered claim, Guardian provides a substitute vehicle or up to $100/day toward a rental.
ComprehensiveLock in your payout: on a total loss, Guardian pays the Sum Insured (less 15%/yr pro-rata depreciation) instead of arguing market value — requires a valuation from an approved valuator at each renewal.
Comprehensive · Fire & TheftUp to $15,000 per 12-month period toward hospital bills from injury or sickness — a health top-up living inside your motor policy.
ComprehensivePersonal accident benefits for your passengers, and increased third-party and legal-defence limits — worth reviewing if you regularly carry others.
All cover typesNearly every comprehensive motor and home policy contains a condition of average. If you insure for less than the true value, the insurer treats you as self-insuring the difference — and every claim is reduced in proportion.
How it works: if your vehicle is worth $100,000 but you insure it for $70,000, you are only covered for 70% of its value. Have a $20,000 accident, and the insurer pays 70% of it — $14,000 — leaving you to find the other $6,000 yourself (before any excess).
Why it matters at renewal: vehicle values shift every year and construction costs rise. Renewal is exactly the moment to reset your sum insured to the correct value — insuring for the right amount is almost always cheaper than discovering a shortfall after a loss.
The flip side: over-insuring doesn't help either — you pay extra premium, but the insurer never pays more than the actual value. The goal is accurate, not high.
Enter your numbers and see exactly what a claim would pay.
This is the same checklist we walk through with every client. Do these five things and you'll renew at the correct value, at the right price, with zero surprises.
Get a current valuation for comprehensive cover (Guardian may request one). For home, use rebuilding cost — not what the property would sell for.
New drivers, a new address, modifications to the vehicle, renovations at home — small changes can affect your cover and must be declared.
Claim-free years earn a meaningful discount on motor premiums. Ask us where you stand and how it changes your renewal price.
An outstanding balance can hold up your renewal. Your balance (if any) is shown above — settle it before the due date and everything flows smoothly.
Reply through this page at least a week before your due date. Driving without valid cover is an offence — never let a certificate lapse.
Choose an option below. We'll confirm receipt immediately, prepare everything with Guardian, and keep you updated until your new certificate is in hand.
Submit your instructions above — you get an instant email confirmation.
We review your details, apply any changes, and send formal renewal instructions to Guardian.
We track it and update you if anything is needed — valuation, documents, or payment.
Your new certificate and schedule are issued before your current cover expires. No gaps, no stress.