NAGICO auto insurance provides Comprehensive or "All Risks" coverage, which covers the insured for loss or damage suffered as a result of collision, theft, fire, malicious damage, flood and hurricane. Included with the own damage coverage is Liability coverage for injury or damage caused by the insured to Third Parties . In addition to being covered for Own Damage and Third Party Liability, the Comprehensive auto insurance policy also covers

  • Loss of Use

  • Towing Expenses

  • Personal Accident (for the Insured)

  • Personal Accident (Passenger Liability)

  • Medical & Air Ambulance Expenses

Note: Not all the benefits/coverages mentioned above are available under a "Commercial Comprehensive" Auto Policy. Motor Cycles do not qualify for comprehensive coverage except Harley Davidson Motorcycles.


Third Party Liability Only

Third Party or Liability Auto insurance provides coverage to owners and operators of Autos for injury and/or damage they cause to Third Parties. As a bonus, NAGICO Third Party Liability coverage also includes the following optional coverage:

  • Personal Accident (Passenger Liability)


Third Party Liability + Fire & Theft

This coverage includes all the coverage provided by a Third Party only policy and includes coverage for Fire & Theft plus the following benefits;

  • Loss of Use,

  • Towing Expenses,

  • Accidents to the Insured,

  • Personal Accident (Passenger Liability)

  • Medical & Air Ambulance Expenses.


Optional Coverage Extensions

  • Tool of Trade Extension - this coverage is intended for vehicles used "off road" where the Road Traffic Acts do not apply. (eg. vehicles used on work sites, customers' premises etc).

  • Trailer Extension – covers Liability for Auto owners when they are towing a trailer in the event that the Trailer detaches and causes injury or damage.


Free Roadside Assistance

Not only do our auto insurance policies provide comprehensive coverage, but they provide you with the peace of mind that you never have to worry about being stranded roadside. Our auto coverage also provides you with NAGICO Auto Assistance, our free roadside assistance coverage, including help with a stalled car, when you run out of gas, have a flat tire, are locked out or if you have a dead battery– superior service you won't find anywhere else!

For more information, contact an agent near you, or our corporate office.

Additional Info

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