General Questions
Q. What insurance products are offered by Netherlands?
A. We offer the following insurance products.
| Personal Coverages | Business Coverages |
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Q. Where are your offices located?
A. Our office is situated at the Netherlands Building (Ground Floor) Grand Anse, St. George.
We operate in Antigua via the agency of Kenneth A. Gomez & Sons located at Friars Hill Road, St. John’s, Antigua.
Q. How can I contact you?
A. We may be contacted via:
- Telephone: (473) 444-3012
- Telefax: (473) 444-2853
- Email: info@netherlands.gd
Our agents in Antigua can be contacted via
- Telephone: (268) 481-1150/1851 or 1852
- Telefax (268) 481-1859
- Website: kagomezinsurance.com
- Email:
- Customer service: insurance@kagomez.com
- Claims: claims@kagomez.com
- Marketing: kevin@kagomez.com
Policy Questions
Q. What is the procedure for getting a quotation/what will you need from me?
A. We provide free quotations to prospective policyholders. The information we require from you varies depending on the risk you would like to insure. Feel free to contact us and we will let you know exactly what we need from you to prepare your quotation.
Q. Can I get a typed quotation, how much will it cost?
A. We can prepare a typed quotation and forward it to you via email, WhatsApp or fax free of charge.
Q. How will I know when my insurance is due?
A. We send out Renewal Notices in the mail about a month in advance of your policy’s expiry and may also make courtesy calls to let you know if any of your policies are approaching renewal or have expired.
Q. What happens if I want to make a change to my policy?
A. You may make changes to your policy at any time.* If you would like to make a change to your policy, kindly notify us of the change in writing, via email or by way of our Amendment Form.
*Additional charges or refunds may be applied depending on the change.
Q. What happens if I cancel my policy?
A. You may cancel your policy at any time. If you would like to cancel any of your policies with us, please notify us in writing, via of email or by way of our Amendment Form.
If your policy was still in effect at the time of the cancellation date you may be entitled to a refund.
In the case of motor insurance, your insurance certificate must be returned for forwarding to Inland Revenue.
If there is a mortgage interest on your policy, the mortgagee must consent to the cancellation.
Premiums and Payment Questions
Q. How do you calculate your premiums/ how much will my insurance cost?
A. A variety of different factors regarding both you and your risk such as your age, claims history, details of the risk, the sum insured etc. help us to evaluate your specific risk level and determine your premium.
Q. What forms of payment do you accept?
A. We offer several payment options for your convenience:
- Drop in – Payments may be made at our office located at the Netherlands Building, Grand Anse, St. George. We accept payments via cash, cheque and credit card.
- Mail – Cheques (not cash) may be mailed to P.O. Box 880, St. George’s Grenada, WI. Any additional charges for cheques drawn on foreign banks should be included.
- Mortgagee – You may instruct your bank or mortgagee to make payments.
- Direct Credit – You may direct credit to:
- Republic Bank Grenada account # 62000068 and advise us accordingly. If you are abroad use Swift Code NCBGGDGD.
- CIBCFCIB account # 1509803 and advise us accordingly. If you are abroad use Swift Code FCIB GDGD.
- Scotia Bank account #3010430 and advise us accordingly. If you are abroad use Swift Code for US dollars
- Credit Card – Payments are accepted by Visa, Master Card and Discover. For your convenience, you can authorize us to bill your credit card whenever you need to make a payment.
For fist timers, all you have to do is fill out our Credit Card Authorization Form and send us a copy of the front and back of your card. - Online – If you have access to online banking services, you may make your payments online.
Q. Do you accept post dated cheques?
A. Yes, we welcome post dated cheques.
Q. To whom should I make my cheques payable?
A. You may make your cheques payable to Netherlands Insurance.
Q. What happens if I don’t pay my premium on time?
A. Kindly contact us urgently as your policy may be subject to termination if your premium is left unpaid.
Motor Questions
Q. What coverage types do you offer for Motor Insurance?
A. We offer three types of coverage for motor vehicles;
- Comprehensive
- Third Party Fire and Theft
- Third Party Only
Q. What does my motor policy cover?
A. For information on what your motor policy covers, please see our Coverages Page
Q. What is the procedure for getting Motor Insurance for my vehicle/ what do I need to bring with me?
A. If you are a first timer with Netherlands, simply follow the steps below:
First, we will need the following information from you to prepare your quotation and calculate your premium:
| You (The Insured) & Any Named Driver | Your Vehicle |
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* Especially if anyone whom you would like to be authorized to drive your vehicle is less than 25 years old and/or has not held a drivers licence for at least two years.
- Next, complete our Proposal Form and provide us with a copy of your driver’s licence (local, foreign or temporary for the respective class of vehicle) and a transfer receipt, bill of sale or buyer’s order to verify your ownership of the vehicle.
- Finally, pay your premium. After making the payment you will be issued a certificate of insurance or cover note (if the vehicle has not yet been registered) and a receipt of payment. Your policy will be prepared and delivered to your mailing address or left at our front desk for collection at your convenience.
Q. Can I insure my vehicle with comprehensive cover even though it is over ten years old?
A. We insure vehicles over ten years with comprehensive cover provided that they have been certified by a mechanic as being in good condition and repair. We can provide you with a form to take to your mechanic if necessary.
Q. Who will be permitted to drive my vehicle?
A. If your vehicle has open insurance, anyone authorized by you (the insured) will be permitted to drive provided that they are 25 years and over and have held a valid driver’s licence for at least 2 years. If anyone whom you would like to drive does not fall under that description, you will be required to add them to your policy as a named driver. This will not affect your premium however, the driver may receive an additional excess to be paid in the event of a claim.
If your insurance is not open, each driver of the vehicle will have to be added to your policy separately as a named driver. Each driver will be required to fill out an Other Drivers’ Form and provide us with a copy of their drivers’ licence. The number of drivers you add to your policy may affect your premium.
Q. What discounts do you offer for motor insurance?
A. We offer discounts to experienced drivers with good claims records.
Q. Do you offer any specials for motor insurance?
A. We afford special rates and packages to persons belonging to specific groups. If you are interested in finding out whether you are eligible for any of our current specials and benefits feel free to contact us at your convenience.
Q. Do I have to insure my vehicle for a full year?
A. You can insure your vehicle for as long as you like be it one day, a week, or six months. A premium will be calculated accordingly.
Q. What if I sell my vehicle before my insurance expires?
A. If you sell your vehicle or are planning to release ownership of your vehicle at a specified date, kindly let us know so that we may cancel your policy.
If insurance was still in effect on your policy at the time of the cancellation, you may be entitled to a refund.
Please note that in order to receive your refund, your insurance certificate must be returned to the company for forwarding to Inland Revenue.
Q. Can I transfer my motor insurance to another person?
A. No, insurance cannot be transferred from one person to another. Your insurance policy was designed specifically for you using details of both you and your proposed risk. If ownership of your vehicle is transferred to another person, they will be required to go through the same process as you did to receive insurance.
Q. Do you insure vehicles for the following?
A.
- Rental purposes – No
- Hire – Yes
- Public transportation (Buses) – No
- Carriage of goods – Yes
- Commercial purposes – Yes
Q. How does your 24-Hour Roadside Assistance benefit work?
A. Our designated Roadside Assistant will help you with any problem you encounter on the road including vehicular accidents and breakdowns. Our roadside package also includes our Netherlands Insurance Roadside Assistance App which makes contacting our assistant and receiving help even easier.*
The contact number for our roadside assistant can be found in the app and at the back of your insurance certificate holder.
*This is a free package afforded to our Private Comprehensive Motor policyholders.
Q. Free Loaner Car: How does it work/Am I eligible?
A. If you are a Private Comprehensive Motor policyholder, you may be entitled to a free loaner car in the event that your vehicle is left immobilized as a result of an accident.
Property Questions
Q. What will my policy cover?
A. See our Homeowners Insurance Page
Q. What do you need from me to insure my house/contents?
A. we will require the following information and documentation:
| You (The Insured) | Building | Other |
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After providing us with all of the necessary information and documentation, your insurance will be effected once your premium has been paid.
Q. Can I insure my contents? What is the procedure?
A. You may insure your contents such as your furniture, fixtures and fittings, electronics, jewelry etc. If you wish to do so you will be required to notify us of the items you wish to insure and their respective valuations.
Q. Can I insure my home/contents against burglary?
A. Yes you can.
Q. Aside from my building and contents, what else can I insure?
A. Under your homeowners policy you can also insure your:
- Retaining wall
- Water tank
- Swimming pool
- Central AC equip
- Electronics
- Jewelry
Q. Can I insure my building if it is currently under construction?
A. Yes you can, we offer Contractors All Risk coverage for that very purpose.
Claim Questions
Q. What is the procedure for making a claim on my policy?
A. Kindly see our Claims Page.
Q. How will making a claim affect my premium?
A. Your No Claims Discount and premium may be adjusted as result.
Q. Motor: Should I report an accident even if I do not make a claim?
A. Once your vehicle is involved in an accident of any kind regardless of fault, please notify us. Simply, reporting an accident will have no effect your premium or No Claims Discount.
Feel free to forward us any concerns you have regarding claims that have not been explicitly answered on our website.