{"id":2130,"date":"2022-05-24T11:43:20","date_gmt":"2022-05-24T11:43:20","guid":{"rendered":"https:\/\/bciconline.com\/2022-website\/?page_id=2130"},"modified":"2025-01-27T03:35:22","modified_gmt":"2025-01-27T08:35:22","slug":"faqs","status":"publish","type":"page","link":"https:\/\/bciconline.com\/ba\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2130\" class=\"elementor elementor-2130\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-b08b2cb elementor-section-stretched elementor-section-height-min-height elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-items-middle\" data-eae-slider=\"83080\" data-id=\"b08b2cb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5d780e3\" data-eae-slider=\"91979\" data-id=\"5d780e3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-d1f8627 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"38029\" data-id=\"d1f8627\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c49aa89\" data-eae-slider=\"81060\" data-id=\"c49aa89\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe10fbd elementor-widget elementor-widget-text-editor\" data-id=\"fe10fbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFrequently Asked Questions<span style=\"color: #ff0000;\">.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-451d3ce elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"29382\" data-id=\"451d3ce\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-662e0e6\" data-eae-slider=\"63536\" data-id=\"662e0e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be08633 elementor-widget__width-auto elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"be08633\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:246-621-7340\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-phone-call1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">or <B>Call us<\/b> 246-621-7340<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae50fae elementor-widget__width-auto ha-advanced-tooltip-enable ha-advanced-tooltip-right elementor-mobile-align-start elementor-widget-mobile__width-inherit ha-advanced-tooltip-mobile-bottom elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ae50fae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ha_advanced_tooltip_content&quot;:&quot;Click to contact us&quot;,&quot;ha_advanced_tooltip_enable&quot;:&quot;enable&quot;,&quot;ha_advanced_tooltip_position&quot;:&quot;right&quot;,&quot;ha_advanced_tooltip_animation&quot;:&quot;ha_slideInDown&quot;,&quot;ha_advanced_tooltip_position_mobile&quot;:&quot;bottom&quot;,&quot;ha_advanced_tooltip_duration&quot;:1000,&quot;ha_advanced_tooltip_arrow&quot;:&quot;true&quot;,&quot;ha_advanced_tooltip_trigger&quot;:&quot;hover&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:1-888-227-7478\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-mail-open\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Email us<\/b> info@bcicbarbados.com<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-2fa494c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"83812\" data-id=\"2fa494c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ca387cb\" data-eae-slider=\"79858\" data-id=\"ca387cb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7941b19 elementor-widget elementor-widget-text-editor\" data-id=\"7941b19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>scroll for more<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26dfd84 elementor-widget__width-inherit e-transform elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"26dfd84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:25,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-down-arrow\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-870d607\" data-eae-slider=\"54660\" data-id=\"870d607\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-0811396 elementor-section-height-min-height elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default\" data-eae-slider=\"70749\" data-id=\"0811396\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5777a1b\" data-eae-slider=\"62966\" data-id=\"5777a1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19c0348 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"19c0348\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"845\" height=\"835\" src=\"https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_HOWTO.png\" class=\"attachment-large size-large wp-image-5096\" alt=\"\" srcset=\"https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_HOWTO.png 845w, https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_HOWTO-300x296.png 300w, https:\/\/bciconline.com\/ba\/wp-content\/uploads\/sites\/6\/2025\/01\/BCIC_HOWTO-768x759.png 768w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5d83102\" data-eae-slider=\"60477\" data-id=\"5d83102\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-78af3af3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"42814\" data-id=\"78af3af3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-14560ed1\" data-eae-slider=\"60699\" data-id=\"14560ed1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-23090479\" data-eae-slider=\"98885\" data-id=\"23090479\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-50874756 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"61148\" data-id=\"50874756\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4211e74\" data-eae-slider=\"43718\" data-id=\"4211e74\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fa5da4 elementor-widget elementor-widget-text-editor\" data-id=\"8fa5da4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMotor Vehicle Insurance<span style=\"color: #ff0000;\">.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43ccdbd6 ha-accordion--icon-right elementor-widget elementor-widget-ha-accordion happy-addon ha-accordion happy-addon-pro\" data-id=\"43ccdbd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"ha-accordion__wrapper\" role=\"tablist\">\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1131\" class=\"ha-accordion__item-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1131\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Do I really need car Insurance?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1131\" class=\"ha-accordion__item-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1131\">\n                        <p><span style=\"font-weight: 400;\">Yes, This is required by law in order to drive any vehicle legally on the road. <\/span><\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1132\" class=\"ha-accordion__item-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1132\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I find that completing a Proposal Form can be so tedious. Do I really have to complete one?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1132\" class=\"ha-accordion__item-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1132\">\n                        Yes. Here&#8217;s why. The Proposal Form is used to obtain information from you the person requesting insurance. It gives the insurer an opportunity to assess the application to determine whether or not to accept the risk, the premium to be charged or the terms to be imposed. It forms the basis of the contract between you and your insurer.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1133\" class=\"ha-accordion__item-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1133\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">May I cancel my policy at any time?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1133\" class=\"ha-accordion__item-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1133\">\n                        Yes. You may cancel your policy at any time by advising us in writing.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1134\" class=\"ha-accordion__item-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1134\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Will I be entitled to a refund of premium?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1134\" class=\"ha-accordion__item-content\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1134\">\n                        You may be entitled to a refund of premium depending on the length of time that the policy was running for and whether a claim payment has been made under your policy.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1135\" class=\"ha-accordion__item-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1135\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is an Excess?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1135\" class=\"ha-accordion__item-content\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1135\">\n                        An excess is that portion of any claim, which you, the policyholder, will bear out of pocket before your insurance company will pay. It can be a fixed amount or expressed as a percentage (%) of the value of your vehicle (sum insured) or of the settlement amount. It is applicable to each and every claim you may make under your policy and is sometimes referred to as the \u2018deductible&#8217;.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1136\" class=\"ha-accordion__item-title\" data-tab=\"6\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1136\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Is the Excess applicable per loss or per year?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1136\" class=\"ha-accordion__item-content\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1136\">\n                        <p>The policy excess is applicable to each claim that you make.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1137\" class=\"ha-accordion__item-title\" data-tab=\"7\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1137\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How does the Excess affect the amount I receive for my claim settlement?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1137\" class=\"ha-accordion__item-content\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1137\">\n                        <p>The Excess is deducted from the amount of your actual loss first and the balance left is the amount you will receive.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1138\" class=\"ha-accordion__item-title\" data-tab=\"8\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1138\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a Motor Vehicle Certificate of Insurance?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1138\" class=\"ha-accordion__item-content\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1138\">\n                        <p>It is a document issued by an insurance company which provides proof of insurance in accordance with the Motor Vehicles (Third Party Risks) Law, CAP.257. It provides proof that you have complied with the law.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1139\" class=\"ha-accordion__item-title\" data-tab=\"9\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1139\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Can the same certificate be used to operate several vehicles?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1139\" class=\"ha-accordion__item-content\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1139\">\n                        <div class=\"uc_ac_box\"><div class=\"uc_content\"><div class=\"panel panel-default\"><div id=\"collapse3_15\" class=\"panel-collapse collapse in\"><div class=\"panel-body\">No. A certificate of insurance is required for each vehicle and must identify the vehicle to which it relates<\/div><\/div><\/div><\/div><\/div><div class=\"uc_ac_box\"><div id=\"uc_uc_overlap_accordion_vc14222\" class=\"uc-heading uc_trigger-uc_uc_overlap_accordion_vc14222\">\u00a0<\/div><\/div>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11310\" class=\"ha-accordion__item-title\" data-tab=\"10\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11310\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">How does a cover note differ from a certificate?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11310\" class=\"ha-accordion__item-content\" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11310\">\n                        <p>The Cover Note, though serving the same purpose as a Certificate, is a temporary insurance document and has a lifespan of a maximum of thirty (30) days. It is issued by the insurer, pending the preparation of the more permanent document, the Certificate of Insurance.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11311\" class=\"ha-accordion__item-title\" data-tab=\"11\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11311\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">What is a No Claim Bonus\/Discount and how does it work?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11311\" class=\"ha-accordion__item-content\" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11311\">\n                        <p>No Claim Discount is a way in which insurers reward safe drivers. It is a discount you earn on an insurance premium annually if you do not claim on your insurance. Each year you are claim free, the amount increases. The maximum no claim discount is usually earned after five years. It is transferable from one company to the next, from one vehicle to another and between countries. Usually, this is dependent on receipt of an original letter from your previous insurer. In the event of a claim, the no claim discount is reduced or disallowed according to the Company&#8217;s guidelines.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11312\" class=\"ha-accordion__item-title\" data-tab=\"12\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11312\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my son is 18 years old and recently acquired his driver's license, is he covered under my policy?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11312\" class=\"ha-accordion__item-content\" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11312\">\n                        <p>Your son is covered under your policy as long as his driver&#8217;s licence permits him to drive such a vehicle. However, at the time of an accident, the Excess applicable will be increased due to his age and his driving experience.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11313\" class=\"ha-accordion__item-title\" data-tab=\"13\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11313\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Is my vehicle insured if I lend it to someone.<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11313\" class=\"ha-accordion__item-content\" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11313\">\n                        <p>Your insurance certificate will state clearly who is authorized to drive your vehicle. If it says any person driving with your permission then your insurance is valid if you lend that vehicle to someone provided that such person holds a valid driver&#8217;s licence. However, in the event of an accident, the excess applicable may vary depending on the age and experience of that driver.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11314\" class=\"ha-accordion__item-title\" data-tab=\"14\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11314\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my personal belongings are stolen from my vehicle, are they covered under my motor policy?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11314\" class=\"ha-accordion__item-content\" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11314\">\n                        <p>You will be compensated under your private car comprehensive policy for your personal effects up to a specified amount. These personal effects may include handbag, shoes, umbrella, cellular phone etc. However, items such as money, stamps, tickets, documents and securities, goods, samples, or equipment carried in connection with your trade or business are not considered to be personal effects.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11315\" class=\"ha-accordion__item-title\" data-tab=\"15\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11315\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Does my insurance policy give me full protection against liabilities to third parties?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11315\" class=\"ha-accordion__item-content\" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11315\">\n                        <p>Your insurance policy provides indemnity (protection) against third party liabilities but subject to the maximum amount stated in your policy. In the event of a judgment against you in a court of law for an amount greater than that stated in your policy, your insurer will pay the amount of your policy, and you will be responsible for paying the difference.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11316\" class=\"ha-accordion__item-title\" data-tab=\"16\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11316\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">If my windscreen is broken can I make a claim without it affecting my No Claim Discount?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11316\" class=\"ha-accordion__item-content\" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11316\">\n                        <p>Yes. You are allowed to make a single windscreen claim in any one policy year without it affecting your No Claim Discount.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11317\" class=\"ha-accordion__item-title\" data-tab=\"17\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11317\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Does my motor policy automatically cover towing charges incurred as a result of an accident?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11317\" class=\"ha-accordion__item-content\" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11317\">\n                        <p>Once your vehicle is comprehensively insured, the company will reimburse the amount spent for wrecker fee. This is subject to the maximum amount allowed under your insurance policy.<\/p>                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-11318\" class=\"ha-accordion__item-title\" data-tab=\"18\" role=\"tab\" aria-controls=\"ha-accordion__item-content-11318\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Is there a grace period under my motor policy?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-11318\" class=\"ha-accordion__item-content\" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-11318\">\n                        <p>No. There is no grace period under your motor insurance policy. You must ensure that your insurance is current and valid at all times.<\/p>                    <\/div>\n                <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b14c4a elementor-widget elementor-widget-text-editor\" data-id=\"5b14c4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Home Insurance<span style=\"color: #ff0000;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc6817a ha-accordion--icon-right elementor-widget elementor-widget-ha-accordion happy-addon ha-accordion happy-addon-pro\" data-id=\"bc6817a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ha-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"ha-accordion__wrapper\" role=\"tablist\">\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1971\" class=\"ha-accordion__item-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1971\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">At what value should I insure my house?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1971\" class=\"ha-accordion__item-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1971\">\n                        Your house should be insured for the cost of rebuilding the house as new. That means it should be insured for what it would actually cost you to replace the buildings.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1972\" class=\"ha-accordion__item-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1972\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Can I insure my contents?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1972\" class=\"ha-accordion__item-content\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1972\">\n                        Yes you can. You can insure your household goods and personal belongings such as furniture, video and audio equipment, television and jewellery.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1973\" class=\"ha-accordion__item-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1973\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Does an Excess apply to my home insurance?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1973\" class=\"ha-accordion__item-content\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1973\">\n                        Yes. An Excess is applicable to most losses under home insurance except losses caused by fire, lightning, and explosion and damage from falling aerials, fittings or masts.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1974\" class=\"ha-accordion__item-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1974\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">I live in an apartment building that is insured by the Management Committee of the Strata Corporation, however the complex is not insured for its full replacement value \u2013 can I buy additional insurance cover for my apartment only to \u201ctop up\u201d the strata policy?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1974\" class=\"ha-accordion__item-content\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1974\">\n                        No. Under the Strata Titles Act, your apartment complex should be fully\/adequately insured.                    <\/div>\n                <\/div>\n                            <div class=\"ha-accordion__item\">\n                    <div id=\"ha-accordion__item-title-1975\" class=\"ha-accordion__item-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"ha-accordion__item-content-1975\">\n                                                    <span class=\"ha-accordion__item-icon ha-accordion__icon\" aria-hidden=\"true\">\n                                                                    <span class=\"ha-accordion__icon--closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n                                                                                                    <span class=\"ha-accordion__icon--opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n                                                            <\/span>\n                                                <div class=\"ha-accordion__item-title-inner\">\n                                                        <span class=\"ha-accordion__item-title-text\">Can I insure my personal contents under the Strata Corporation's policy?<\/span>\n                        <\/div>\n                    <\/div>\n                    <div id=\"ha-accordion__item-content-1975\" class=\"ha-accordion__item-content\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"ha-accordion__item-title-1975\">\n                        No. The Strata Corporation&#8217;s policy is for the joint owners of the building in which you live and only covers items that are commonly owned such as the Building, Guard House, Swimming Pool etc. You will have to take out a contents insurance policy to cover your own belongings.                    <\/div>\n                <\/div>\n                    <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Frequently Asked Questions. or Call us 246-621-7340 Email us info@bcicbarbados.com scroll for more Motor Vehicle Insurance. Do I really need car Insurance? Yes, This is required by law in order to drive any vehicle legally on the road. I find that completing a Proposal Form can be so tedious. Do I really have to complete [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-2130","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/2130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/comments?post=2130"}],"version-history":[{"count":62,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/2130\/revisions"}],"predecessor-version":[{"id":5113,"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/pages\/2130\/revisions\/5113"}],"wp:attachment":[{"href":"https:\/\/bciconline.com\/ba\/wp-json\/wp\/v2\/media?parent=2130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}