Car Insurance Coverage Types on Curacao

Third Party Liability Insurance (TPL) 

• Covers legal liability
• Costs of legal proceedings after serving of summons are covered
• Covers cost of temporary replacement vehicle

Third Party Plus limited comprehensive cover (LCC).

• Theft/joyriding
• Collision with unleashed animals
• Natural disaster (storm and suchlike), window breakage

No loss or reduction of no-claim discount when  reporting a claim under LCC. Maximum no-claim discount on LCC is 50%. Policy available if vehicle is no more than 8 years old.

Comprehensive motor vehicle cover

• Third Party Plus cover
• Damage due to collision
• Any other event that could cause damage to the vehicle
• Compensation towards rental costs up to 60 guilders per day; 900 guilders maximum per event
• First year  at total loss guaranteed replacement value of new vehicle
• Maximum no-claim discount: 60%
• Extra discount: 10% with increased excess
• Comprehensive Motor Vehicle Cover is available if your car is no more than 4 years old.