FAQs

No. Coverage applies to local as well as overseas care where services are not available locally or insureds have a medical emergency while overseas.

Yes. Policyholders can upgrade their existing plans at the renewal date of the policy.

Yes. Policyholders can insure eligible dependents—spouse by marriage or common-law, unmarried dependent children up to age 18 or up to age 25 if still full-time student.

Contact any member of our Sales Team listed on our website or visit any of our Branch Offices to discuss the process.

A policy which provides coverage for the duration of an individual’s life, rather than a specified term period. It includes a savings component, called cash value, which increases over time.

A policy which pays the face value upon the death of the insured provided that the insured dies within the term of coverage. Coverage ends at a specified time. Term insurance does not have a cash value.

Yes. If your policy has a cash value, there is a provision for you to apply for a policy loan. Whole Life and Endowment policies have a cash value after 3 years.

Yes. NCI has a Five-Year renewable and convertible term policy that can be converted into a whole life policy.

Premium payments can be made by salary deductions, bankers’ orders and electronic and cash payments at the company’s offices.

The party (individual, entity, trustee) who is named to receive insurance proceeds upon the death of an insured person. The beneficiary is named when a policy is taken out and can be changed anytime at the request of the policy owner.

No. Life insurance premiums are guaranteed throughout the life of the policy.

Yes. An individual can be covered under a Group plan as well as an Individual policy.

No. There is no limit to the number of individual life insurance policies a member can have.

Yes. Policy loans must be repaid with interest.

Yes, you must notify us of the change of vehicle which may be subject to an additional premium based on the type, engine size and value of the vehicle replacing

You need to obtain a local driver's license from the vehicle liscensing authority to drive in St. Kitts-Nevis. We will accept OECS driver's licenses as valid

If you drive a vehicle that you are responsible for but do not own then you CANNOT arrange cover for this vehicle

We issue cover notes in our offices for immediate use

"This is discount which is earned by an individual for having a claim-free/accident-free period of insurance. Every year of claim free driving increases your NCD until is reaches maximum.
A NCD cannot be borrowed, loaned, or transferred to another individual. It is earned separately for each vehicle owned and can be transferred from one vehicle to another with the same ownership. Once there is a claim against your policy, your NCD may be affected"

Once you have a Comprehensive insurance policy, our cover automatically includes cover for you and your vehicle in the even you are hit by an uninsured. However, if you have a Third Party insurance policy, we can only offer our assistance in helping you to recover for damages from the liable party.

We offer Road Act insurance cover only, which is the most basic insurance required to drive your vehicle. This cover only covers for a maximum of EC$5000 for third party liability

Yes, we insure all types of vehicles

we only insure vehicles that are verified as roadworthy and safe. Therefore it is imperative that you have your vehicle properly inspected by a professional and certified mechanic for your safety and they safety of other road users.

Yes, (Named Driver Policies) additional drivers can be added (maximum 3) but may be subject to an additional premium if under aged or inexperience drivers. A copy of their Driver's License will also be required for each additional driver. However, if you have a n open driver policy, their is no requirement to request adding drivers as your policy allows for any driver. However, eh applicable deductible will apply in the event of a claim.

you can remove a driver by notifying us on which driver you wish to remove and we will remove them and process any refund where applicable.

Yes, if you request a new motor insurance certificate we will prepare one for you for your collection from our offices with a small processing fee.

yes, oif you request a letter confirming your No Claims Discount, we will prepare one for you to collect from our offices.

all of our motor insurance covers standard vehicles only unless we are advised otherwise.

We insure the cost of roadside assistance following an accident but we do not provide a roadside assistance service.

Yes we offer short term insurance cover (minimum 3 months).

No, our motor policies are for vehicles being used in our Jurisdiction (St. Kitts-Nevis) and Anguilla for Anguilla policies.

Our Motor Insurance policies permit named drivers to drive other cars but cover is limited to Third-Party Liability only. (See policy terms and conditions)

Yes, No Claims Discounts from other insurance companies are generally accepted by us to obtain our No Claims Discount. A No Claims Discount Letter must be requested and obtained from your previous insurer.

If you are liable for the claim, then depending on the type of vehicle policies cover and amount of discount you have then a stepdown discount calculation will be made on your policy.

you can suggest the garage of your choice.

If you have a named driver policy, then your spouse would have to be named as a driver. If you have an open cover policy, then your spouse would be covered providing that you authorised them to drive.

Multi-vehicle discounts (fleet discount) is offered to policyholders once you have 3 or more vehicle policies with NCI. The discount will be applied to the third policy started and any other vehicle policy started thereafter.

Yes, we would need to know the date sold so that we can process the cancellation of your policy .

Yes acts of god are covered unless you have insured for limited perils only.

There are no age limits.

Our pricing rewards those risks which are built to a high construction standard.

some excess are compulsory (e.g. 2% for natural catastrophe) but others are voluntary. Please ask our underwriters for discounts available for voluntary deductibles.

Contents can be insured by you for a home that you rent in part or whole.

We can provide cover for rented accommodation and second homes.

we can give advice to minimise the risk of loss or damage, please talk to our underwriters or see our hurricane preparednes guide.

Proximity to the sea is not an issue for us providing the height elevation is above 5meters.

Our home cover has an automatic limit of EC$250,000 included, if you would like to increase this please talk to one of our underwriters for a quote?

Outbuildings declared and named on the policy schedule are covered.

Vandalism is covered.

Your home can be unoccupied for up to 45 days without impacting your cover.

It is important to insure for replacement value and not the market value. That is the cost you would incurr in rebuilding your home and replacing contents.

We offer indemnity and new for old insurance.

Our standard household policy does cover the cost of limited altertnative accommodation/hotel costs.

Yes, but insurance will only cover risks or exposures in those 3 territories in which we operate. Our insurance policies are designed to meet the needs of both nationals and foreign residents.

Please complete the relevant Insurance application form and we will assess your risk and issue you with a quotation advising you the premium, terms and condition of which we would be happy to insure you. Your instructions and payment will then bind cover from an agreed date for an agreed period(3 months, 6 months, 9 months or 1 year). Kindly see documents required under each of the policy type.

Your policy will lapse at the end of its contractual term (usually 1 year), if you do not notify us that you wish to renew.

Please notify us immediately of the error and resupply the Insurance application Form with the correct information.

The insurance premium is calculated for each risk based on its risk profile. We aim to reward good risks with lower premiums and offer discounts to loyal customers and good claims records.

An Excess (or deductible) is the first amount of a loss that is to be paid by the policyholder. This can be either voluntary (i.e you take the excess to reduce the premium) or compulsory (we impose the excess automatically)

Our office opening hours are 8:30am to 3:0opm Mondays to Thursdays and to 4:00pm on Fridays. We are closed on Saturdays and sundays and National holidays.

The request for the customer information documents are in keeping with our obligations to satisfy our Regulatory Know your Customer requirements that allows us to continue to operate within our regulated jurisdiction. The aids in our fight for Anit-Money Laundering and Countering the Financing of Terrorism

Thank you for your interest! Please submit your resume and supporting documents to nciapplications@sknanb.com, or apply here. Your application will be placed on file with our HR department and we will inform you of any suitable vacancies.

Please update your details here or visit our office and advise your name and policy number, your current address and the new address and we will make the change. You will need to also provide with an updated proof of address document showing your new address.