{"id":4070,"date":"2026-10-05T15:31:21","date_gmt":"2026-10-05T15:31:21","guid":{"rendered":"https:\/\/icwi.wfxdev.com\/caymanislands\/?page_id=4070"},"modified":"2026-10-09T19:58:18","modified_gmt":"2026-10-09T19:58:18","slug":"claims","status":"publish","type":"page","link":"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/","title":{"rendered":"Claims"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4070\" class=\"elementor elementor-4070\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32aca596 e-con e-atomic-element e-flexbox-base e-default-div e-a99da9b-641d \" data-id=\"32aca596\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"32aca596\" data-e-type=\"e-flexbox\" data-id=\"32aca596\">\n    <section class=\"elementor-element elementor-element-7655657b e-con e-atomic-element e-flexbox-base e-default-section icwi-section e-26bc5dff-22ae \" data-id=\"7655657b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7655657b\" data-e-type=\"e-flexbox\" data-id=\"7655657b\">\n    <div class=\"elementor-element elementor-element-13b49558 e-con e-atomic-element e-flexbox-base e-default-div icwi-inner e-29244063-82e7 \" data-id=\"13b49558\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"13b49558\" data-e-type=\"e-flexbox\" data-id=\"13b49558\">\n    <div class=\"elementor-element elementor-element-2eb03da1 e-con e-atomic-element e-flexbox-base e-default-div e-55830c0a-db0b \" data-id=\"2eb03da1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2eb03da1\" data-e-type=\"e-flexbox\" data-id=\"2eb03da1\">\n    <div class=\"elementor-element elementor-element-686e57e1 e-con e-atomic-element e-flexbox-base e-default-div e-34979227-dfc1 \" data-id=\"686e57e1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"686e57e1\" data-e-type=\"e-flexbox\" data-id=\"686e57e1\">\n    \t\t\t<h2 data-interaction-id=\"3e8ca676\" class=\"icwi-h3 icwi-text-blue icwi-split-heading e-25ba2c16-6cd8 e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"3e8ca676\"><strong>HOW TO<br>START YOUR CLAIM<\/strong><br>STEP-BY-STEP<\/h2>\n\t\t<div class=\"elementor-element elementor-element-55c9524a e-con e-atomic-element e-flexbox-base e-default-div e-3e6d64e2-99cf \" data-id=\"55c9524a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"55c9524a\" data-e-type=\"e-flexbox\" data-id=\"55c9524a\">\n    \t\t<div class=\"elementor-element elementor-element-e9d2426 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"e9d2426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style>\r\n    \/* Scoped styles to prevent affecting the rest of your site *\/\r\n    .icwi-signin-container { max-width: 600px; margin: 20px auto; font-family: sans-serif; }\r\n    .icwi-signin-container label { font-weight: bold; color: #0056a0; display: block; margin-bottom: 5px; }\r\n    .icwi-signin-container .form-control { height: 50px; border-radius: 8px; width: 100%; border: 1px solid #ccc; padding: 0 10px; box-sizing: border-box; }\r\n    .icwi-form-logo { margin-bottom: 30px; }\r\n    .icwi-btn-signin { background-color: #0056a0; color: white; padding: 12px; font-size: 1.4rem; font-weight: bold; border-radius: 8px; width: 100%; border: none; margin-top: 10px; cursor: pointer; }\r\n    .icwi-btn-signin:hover { background-color: #004080; }\r\n    .icwi-footer-links { display: flex; justify-content: space-between; margin-top: 15px; text-align: center; }\r\n    .icwi-footer-links span { color: #0056a0; font-weight: 600; font-size: 0.9rem; }\r\n    .icwi-footer-links a { color: #0056a0; font-weight: bold; text-decoration: underline; font-size: 0.9rem; }\r\n    \r\n    \/* Layout fix for when Bootstrap isn't present *\/\r\n    .icwi-row { display: flex; gap: 15px; margin-bottom: 15px; }\r\n    .icwi-col { flex: 1; }\r\n\r\n    input::-ms-reveal, input::-ms-clear { display: none; }\r\n\r\n    @media only screen and (max-width: 767px) {\r\n        .icwi-row { flex-direction: column; }\r\n        .icwi-col { margin-bottom: 15px; flex: 2; }\r\n    }\r\n<\/style>\r\n\r\n<div class=\"icwi-signin-container\">\r\n    <form action=\"https:\/\/www.icwi.com\/clickgo\/authenticate\" method=\"POST\">\r\n        <div class=\"icwi-form-logo\">\r\n            <img decoding=\"async\" src=\"https:\/\/icwi.wfxdev.com\/wp-content\/uploads\/2026\/06\/click-n-go-horizontal-2-scaled.png\" alt=\"ICWI Click & Go Logo\" style=\"max-width: 150px;\">\r\n        <\/div>\r\n        <div class=\"icwi-row\">\r\n            <div class=\"icwi-col\">\r\n                <label>User ID<\/label>\r\n                <input type=\"text\" name=\"email_address\" class=\"form-control\" placeholder=\"User ID\">\r\n            <\/div>\r\n            <div class=\"icwi-col\">\r\n                <label>Password<\/label>\r\n                <input type=\"password\" name=\"password\" class=\"form-control\" placeholder=\"Password\">\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"icwi-footer-links\">\r\n            <a href=\"https:\/\/www.icwi.com\/clickgo\/get-security-question\" target=\"_blank\">Forget User ID or Password<\/a>\r\n        <\/div>\r\n        <button type=\"submit\" class=\"icwi-btn-signin\">Sign In<\/button>\r\n        <div class=\"icwi-footer-links\">\r\n            <span>\r\n                Don't have an account?\r\n                <a href=\"https:\/\/clickandgo.icwi.com\/client\/modules\/eclient_registration\/registration.cfm\" target=\"_blank\">Sign up<\/a>\r\n            <\/span>\r\n            <!-- <a href=\"https:\/\/clickandgo.icwi.com\/client\/modules\/eclient_registration\/registration.cfm\" target=\"_blank\">Register \/ Activate<\/a> -->\r\n            <!-- <a href=\"https:\/\/www.icwi.com\/clickgo\/get-security-question\" target=\"_blank\">Forget User ID or Password<\/a> -->\r\n        <\/div>\r\n    <\/form>\r\n<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<div data-id=\"20cb14e2\" data-interaction-id=\"20cb14e2\" data-e-type=\"e-youtube\"  class=\"e-105f192a-64fe e-youtube-base e-default-div\" data-e-type=\"widget\" data-id=\"20cb14e2\" data-settings=\"&#x7B;&quot;source&quot;&#x3A;&quot;https&#x3A;&#x5C;&#x2F;&#x5C;&#x2F;youtu.be&#x5C;&#x2F;AjjogrriRBE&quot;,&quot;autoplay&quot;&#x3A;false,&quot;mute&quot;&#x3A;false,&quot;controls&quot;&#x3A;true,&quot;cc_load_policy&quot;&#x3A;false,&quot;loop&quot;&#x3A;false,&quot;rel&quot;&#x3A;false,&quot;start&quot;&#x3A;null,&quot;end&quot;&#x3A;null,&quot;privacy&quot;&#x3A;false,&quot;lazyload&quot;&#x3A;true&#x7D;\"><\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-5a18dea4 e-con e-atomic-element e-flexbox-base e-default-div e-3bace62b-a232 \" data-id=\"5a18dea4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5a18dea4\" data-e-type=\"e-flexbox\" data-id=\"5a18dea4\">\n    \t\t\t<a href=\"https:\/\/clickandgo.icwi.com\/client\/modules\/eclient_registration\/registration.cfm\" target=\"_blank\" class=\"icwi-pill icwi-pill-blue icwi-pill-caps e-button-base e-default-a\" data-interaction-id=\"200f4560\" data-e-type=\"widget\" data-id=\"200f4560\">\n\tRegister Now\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/clickandgo.icwi.com\/client\/modules\/client_portal\/#\/welcome\/\" target=\"_blank\" class=\"icwi-pill icwi-pill-blue icwi-pill-caps e-button-base e-default-a\" data-interaction-id=\"1b950f4\" data-e-type=\"widget\" data-id=\"1b950f4\">\n\tLogin\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/youtu.be\/AjjogrriRBE\" target=\"_blank\" class=\"icwi-pill icwi-pill-outline icwi-pill-caps e-button-base e-default-a\" data-interaction-id=\"23fdbc9c\" data-e-type=\"widget\" data-id=\"23fdbc9c\">\n\t&#9654;&nbsp;&nbsp;How to register\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-2097616d e-con e-atomic-element e-flexbox-base e-default-section e-43c8a1f9-a746 \" data-id=\"2097616d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2097616d\" data-e-type=\"e-flexbox\" data-id=\"2097616d\">\n    <div class=\"elementor-element elementor-element-4af0c9a0 e-con e-atomic-element e-flexbox-base e-default-div e-4a824c4d-fed9 \" data-id=\"4af0c9a0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4af0c9a0\" data-e-type=\"e-flexbox\" data-id=\"4af0c9a0\">\n    \t\t\t<h2 data-interaction-id=\"8d21b92\" class=\"icwi-h2 icwi-text-yellow icwi-upper e-30eb1a68-42fe e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"8d21b92\">First time<br>making a claim?<\/h2>\n\t\t\t\t\t<h3 data-interaction-id=\"4adfda6f\" class=\"icwi-h4 icwi-text-white icwi-weight-semibold e-a73dc2f-8157 e-heading-base e-default-h3\" data-e-type=\"widget\" data-id=\"4adfda6f\">The Claims Process<\/h3>\n\t\t\t\t\t<p class=\"icwi-small icwi-text-yellow e-4b8c24e4-d284 e-paragraph-base e-default-p\" data-interaction-id=\"26bb3363\" data-e-type=\"widget\" data-id=\"26bb3363\">PLEASE NOTE THAT ALL ACCIDENTS, SMALL OR LARGE, SHOULD BE REPORTED TO YOUR INSURANCE COMPANY.<\/p>\n\t\t\t\t\t<p class=\"icwi-small icwi-text-white e-1805b46b-a644 e-paragraph-base e-default-p\" data-interaction-id=\"61dc22a1\" data-e-type=\"widget\" data-id=\"61dc22a1\">To serve you better, and make the claims process as quick and easy as possible, ICWI has created a checklist of what you need to know for the various types of claims you may experience.<\/p>\n\t\t<div class=\"elementor-element elementor-element-6c73bd71 e-con e-atomic-element e-div-block-base e-default-div icwi-claims-list-cyan e-215b11f6-7f5a \" data-id=\"6c73bd71\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"6c73bd71\" data-e-type=\"e-div-block\" data-id=\"6c73bd71\">\n    \t\t\t<div class=\"elementor-element elementor-element-0zsu86x e-con e-atomic-element e-flexbox-base e-default-div e-146ac791-a884 \" data-id=\"0zsu86x\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4d31c2ee\" data-e-type=\"e-flexbox\" data-id=\"0zsu86x\">\n    <div class=\"elementor-element elementor-element-0iouhdy e-con e-atomic-element e-flexbox-base e-default-div e-2335dd1f-f7b4 \" data-id=\"0iouhdy\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"71812904\" data-e-type=\"e-flexbox\" data-id=\"0iouhdy\">\n    \t\t\t<h4 data-interaction-id=\"5a008078\" class=\"icwi-list-heading e-heading-base e-default-h4\" data-e-type=\"widget\" data-id=\"02h3zxm\">Claims Process<\/h4>\n\t\t<div class=\"elementor-element elementor-element-05kom2t e-con e-atomic-element e-div-block-base e-default-div e-76cf5ff-58d2 \" data-id=\"05kom2t\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4ca21f96\" data-e-type=\"e-div-block\" data-id=\"05kom2t\">\n    \n<\/div>\n\t\t\t<div class=\"e-761b0e7-f073 e-svg-base e-default-div\" data-interaction-id=\"1a9760ca\" data-e-type=\"widget\" data-id=\"18bza2r\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" style=\"width: 100%; height: 100%; overflow: unset;\" width=\"29.669\" height=\"18.72\" viewBox=\"0 0 29.669 18.72\"><path id=\"Path_1858\" data-name=\"Path 1858\" d=\"M2.141,2.1l13.14,13.387L28.229,2.1\" transform=\"translate(-0.357 -0.35)\" fill=\"none\" stroke=\"#005ba4\" stroke-miterlimit=\"10\" stroke-width=\"5\"><\/path><\/svg><\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1fmcc0p e-con e-atomic-element e-div-block-base e-default-div icwi-link-list e-61d6a720-bf5c \" data-id=\"1fmcc0p\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4daf7a8f\" data-e-type=\"e-div-block\" data-id=\"1fmcc0p\">\n    \t\t\t<span class=\"e-paragraph-base e-default-span\" data-interaction-id=\"19528232\" data-e-type=\"widget\" data-id=\"1fstvia\"><ul><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/motor-accident-or-fire-claims\/\">Motor Accident or Fire Claims<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/theft-claims\/\">Theft Claims<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/windscreen-claims\/\">Windscreen Claims<\/a><\/li><\/ul><\/span>\n\t\t\n<\/div>\n\n<\/div>\n\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-44d14d18 e-con e-atomic-element e-flexbox-base e-default-div e-2f6484b9-1278 \" data-id=\"44d14d18\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"44d14d18\" data-e-type=\"e-flexbox\" data-id=\"44d14d18\">\n    \t\t\t<h2 data-interaction-id=\"557677d5\" class=\"icwi-h2 icwi-text-navy icwi-upper e-6e355e3b-c95d e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"557677d5\">Start your<br>claim here<\/h2>\n\t\t\t\t\t<h3 data-interaction-id=\"d1c5980\" class=\"icwi-h4 icwi-text-cyan icwi-weight-semibold e-4d39ce3f-b88b e-heading-base e-default-h3\" data-e-type=\"widget\" data-id=\"d1c5980\">Claim Forms<\/h3>\n\t\t\t\t\t<p class=\"icwi-small icwi-text-muted e-8703535-5d8d e-paragraph-base e-default-p\" data-interaction-id=\"6dff3c54\" data-e-type=\"widget\" data-id=\"6dff3c54\">The following forms can be viewed using Adobe Acrobat Reader. The forms can then be printed and completed at your convenience.<\/p>\n\t\t<div class=\"elementor-element elementor-element-588c483d e-con e-atomic-element e-div-block-base e-default-div icwi-claims-list-light e-5a74bcef-4189 \" data-id=\"588c483d\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"588c483d\" data-e-type=\"e-div-block\" data-id=\"588c483d\">\n    \t\t\t<div class=\"elementor-element elementor-element-14otnjr e-con e-atomic-element e-flexbox-base e-default-div e-146ac791-a884 \" data-id=\"14otnjr\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4d31c2ee\" data-e-type=\"e-flexbox\" data-id=\"14otnjr\">\n    <div class=\"elementor-element elementor-element-040gwiw e-con e-atomic-element e-flexbox-base e-default-div e-2335dd1f-f7b4 \" data-id=\"040gwiw\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"71812904\" data-e-type=\"e-flexbox\" data-id=\"040gwiw\">\n    \t\t\t<h4 data-interaction-id=\"5a008078\" class=\"icwi-list-heading e-heading-base e-default-h4\" data-e-type=\"widget\" data-id=\"15898qs\">Motor Vehicle Claims<\/h4>\n\t\t<div class=\"elementor-element elementor-element-1yxtxjf e-con e-atomic-element e-div-block-base e-default-div e-76cf5ff-58d2 \" data-id=\"1yxtxjf\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4ca21f96\" data-e-type=\"e-div-block\" data-id=\"1yxtxjf\">\n    \n<\/div>\n\t\t\t<div class=\"e-761b0e7-f073 e-svg-base e-default-div\" data-interaction-id=\"1a9760ca\" data-e-type=\"widget\" data-id=\"0hu5u8d\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" style=\"width: 100%; height: 100%; overflow: unset;\" width=\"29.669\" height=\"18.72\" viewBox=\"0 0 29.669 18.72\"><path id=\"Path_1858\" data-name=\"Path 1858\" d=\"M2.141,2.1l13.14,13.387L28.229,2.1\" transform=\"translate(-0.357 -0.35)\" fill=\"none\" stroke=\"#005ba4\" stroke-miterlimit=\"10\" stroke-width=\"5\"><\/path><\/svg><\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0uek1w7 e-con e-atomic-element e-div-block-base e-default-div icwi-link-list e-61d6a720-bf5c \" data-id=\"0uek1w7\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4daf7a8f\" data-e-type=\"e-div-block\" data-id=\"0uek1w7\">\n    \t\t\t<span class=\"e-paragraph-base e-default-span\" data-interaction-id=\"19528232\" data-e-type=\"widget\" data-id=\"0vk25t8\"><ul><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Motor-Vehicle-Accident-Claim-Form-Cayman-08.21.pdf\" target=\"_blank\">Motor Vehicle Claims<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Motor-Vehicle-Catastrophe-Claim-Form-Cayman-1.pdf\" target=\"_blank\">Motor Catastrophe Vehicle Claims<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Motor-Vehicle-Theft-Claim-Form-Cayman.pdf\" target=\"_blank\">Motor Vehicle Theft Claims<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Breakage-of-Glass-Claim-Form-Cayman.pdf\" target=\"_blank\">Breakage of Glass Claim Form<\/a><\/li><\/ul><\/span>\n\t\t\n<\/div>\n\n<\/div>\n\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1c3229fe e-con e-atomic-element e-div-block-base e-default-div icwi-claims-list-light e-46bb9e4a-b0e8 \" data-id=\"1c3229fe\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"1c3229fe\" data-e-type=\"e-div-block\" data-id=\"1c3229fe\">\n    \t\t\t<div class=\"elementor-element elementor-element-0jqzsg4 e-con e-atomic-element e-flexbox-base e-default-div e-146ac791-a884 \" data-id=\"0jqzsg4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4d31c2ee\" data-e-type=\"e-flexbox\" data-id=\"0jqzsg4\">\n    <div class=\"elementor-element elementor-element-17y7ttn e-con e-atomic-element e-flexbox-base e-default-div e-2335dd1f-f7b4 \" data-id=\"17y7ttn\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"71812904\" data-e-type=\"e-flexbox\" data-id=\"17y7ttn\">\n    \t\t\t<h4 data-interaction-id=\"5a008078\" class=\"icwi-list-heading e-heading-base e-default-h4\" data-e-type=\"widget\" data-id=\"1dtdadz\">Property Claims<\/h4>\n\t\t<div class=\"elementor-element elementor-element-1ysaxbs e-con e-atomic-element e-div-block-base e-default-div e-76cf5ff-58d2 \" data-id=\"1ysaxbs\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4ca21f96\" data-e-type=\"e-div-block\" data-id=\"1ysaxbs\">\n    \n<\/div>\n\t\t\t<div class=\"e-761b0e7-f073 e-svg-base e-default-div\" data-interaction-id=\"1a9760ca\" data-e-type=\"widget\" data-id=\"01gnmf2\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" style=\"width: 100%; height: 100%; overflow: unset;\" width=\"29.669\" height=\"18.72\" viewBox=\"0 0 29.669 18.72\"><path id=\"Path_1858\" data-name=\"Path 1858\" d=\"M2.141,2.1l13.14,13.387L28.229,2.1\" transform=\"translate(-0.357 -0.35)\" fill=\"none\" stroke=\"#005ba4\" stroke-miterlimit=\"10\" stroke-width=\"5\"><\/path><\/svg><\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1c6gw10 e-con e-atomic-element e-div-block-base e-default-div icwi-link-list e-61d6a720-bf5c \" data-id=\"1c6gw10\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"4daf7a8f\" data-e-type=\"e-div-block\" data-id=\"1c6gw10\">\n    \t\t\t<span class=\"e-paragraph-base e-default-span\" data-interaction-id=\"19528232\" data-e-type=\"widget\" data-id=\"1jxmd8f\"><ul><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Property-Catastrophe-Claim-Form-Cayman-06.26.pdf\" target=\"_blank\">Catastrophe Claim Form<\/a><\/li><li><a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Claim-for-Loss-or-Damage-Cayman.pdf\" target=\"_blank\">Claim for Loss\/Damage<\/a><\/li><\/ul><\/span>\n\t\t\n<\/div>\n\n<\/div>\n\n\t\t\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-f62a20d e-con e-atomic-element e-flexbox-base e-default-section icwi-section e-3c96dd79-c3a8 \" data-id=\"f62a20d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f62a20d\" data-e-type=\"e-flexbox\" data-id=\"f62a20d\">\n    <div class=\"elementor-element elementor-element-4ee103c5 e-con e-atomic-element e-flexbox-base e-default-div icwi-inner e-4d1bc5f7-9cc3 \" data-id=\"4ee103c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4ee103c5\" data-e-type=\"e-flexbox\" data-id=\"4ee103c5\">\n    \t\t\t<h2 data-interaction-id=\"1a73fe5b\" class=\"icwi-h1 icwi-text-blue icwi-split-heading e-24fdcc19-1a4c e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"1a73fe5b\">Claims<br><strong>Process<\/strong><\/h2>\n\t\t<div class=\"elementor-element elementor-element-317a41ce e-con e-atomic-element e-flexbox-base e-default-div e-7dbea600-6341 \" data-id=\"317a41ce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"317a41ce\" data-e-type=\"e-flexbox\" data-id=\"317a41ce\">\n    <a class=\"elementor-element elementor-element-6df2bdc e-con e-atomic-element e-flexbox-base e-default-a icwi-claim-tile e-6df2bdc-hov \" data-id=\"6df2bdc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6df2bdc\" href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/motor-accident-or-fire-claims\/\" target=\"_self\" data-e-type=\"e-flexbox\" data-id=\"6df2bdc\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img icwi-claim-tile-icon\" data-interaction-id=\"76f91fe6\" data-e-type=\"widget\" data-id=\"76f91fe6\" id=\"4536\" src=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Group-4252.png\" width=\"198\" height=\"132\" srcset=\"\" alt=\"\"\/>\t\t\t\t\t<h3 data-interaction-id=\"674deea0\" class=\"icwi-claim-tile-label e-heading-base e-default-h3\" data-e-type=\"widget\" data-id=\"674deea0\">Motor<br>Vehicle<\/h3>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-7dd13fd5 e-con e-atomic-element e-flexbox-base e-default-a icwi-claim-tile e-7dd13fd5-hov \" data-id=\"7dd13fd5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7dd13fd5\" href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/theft-claims\/\" target=\"_self\" data-e-type=\"e-flexbox\" data-id=\"7dd13fd5\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img icwi-claim-tile-icon\" data-interaction-id=\"55f4aeae\" data-e-type=\"widget\" data-id=\"55f4aeae\" id=\"4535\" src=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Group-4254.png\" width=\"195\" height=\"174\" srcset=\"\" alt=\"\"\/>\t\t\t\t\t<h3 data-interaction-id=\"1faca3b4\" class=\"icwi-claim-tile-label e-heading-base e-default-h3\" data-e-type=\"widget\" data-id=\"1faca3b4\">Theft<\/h3>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-3f8c300c e-con e-atomic-element e-flexbox-base e-default-a icwi-claim-tile e-3f8c300c-hov \" data-id=\"3f8c300c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3f8c300c\" href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/claims\/windscreen-claims\/\" target=\"_self\" data-e-type=\"e-flexbox\" data-id=\"3f8c300c\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-default-img icwi-claim-tile-icon\" data-interaction-id=\"5e678f29\" data-e-type=\"widget\" data-id=\"5e678f29\" id=\"4534\" src=\"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-content\/uploads\/sites\/8\/2026\/10\/Group-4256.png\" width=\"164\" height=\"174\" srcset=\"\" alt=\"\"\/>\t\t\t\t\t<h3 data-interaction-id=\"72ab0348\" class=\"icwi-claim-tile-label e-heading-base e-default-h3\" data-e-type=\"widget\" data-id=\"72ab0348\">Other<\/h3>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-1280b1a7 e-con e-atomic-element e-flexbox-base e-default-section icwi-section e-663147b3-d69b \" data-id=\"1280b1a7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1280b1a7\" data-e-type=\"e-flexbox\" data-id=\"1280b1a7\">\n    <div class=\"elementor-element elementor-element-58553ffd e-con e-atomic-element e-flexbox-base e-default-div icwi-inner e-46b0ef23-40fd \" data-id=\"58553ffd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"58553ffd\" data-e-type=\"e-flexbox\" data-id=\"58553ffd\">\n    \t\t\t<h2 data-interaction-id=\"333194d2\" class=\"icwi-h3 icwi-text-yellow icwi-split-heading e-4f7e6fca-ee6d e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"333194d2\">Resource<br><strong>&amp; Support<\/strong><\/h2>\n\t\t<div class=\"elementor-element elementor-element-4a6bf1c5 e-con e-atomic-element e-flexbox-base e-default-div e-6a0bdb55-a048 \" data-id=\"4a6bf1c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4a6bf1c5\" data-e-type=\"e-flexbox\" data-id=\"4a6bf1c5\">\n    \t\t\t<a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/client-support\/insurance-forms\/\" target=\"_self\" class=\"icwi-text-link e-button-base e-default-a\" data-interaction-id=\"798378f7\" data-e-type=\"widget\" data-id=\"798378f7\">\n\tMotor Claims Forms\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/client-support\/insurance-forms\/\" target=\"_self\" class=\"icwi-text-link e-button-base e-default-a\" data-interaction-id=\"1ca21a24\" data-e-type=\"widget\" data-id=\"1ca21a24\">\n\tProperty Claims Forms\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/icwi.wfxdev.com\/caymanislands\/client-support\/faqs\/\" target=\"_self\" class=\"icwi-text-link e-button-base e-default-a\" data-interaction-id=\"5520f35\" data-e-type=\"widget\" data-id=\"5520f35\">\n\tClaims Ed.\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n\n<\/section>\n<section class=\"elementor-element elementor-element-68feb4a9 e-con e-atomic-element e-flexbox-base e-default-section icwi-section \" data-id=\"68feb4a9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"68feb4a9\" data-e-type=\"e-flexbox\" data-id=\"68feb4a9\">\n    <div class=\"elementor-element elementor-element-7ecdf0f6 e-con e-atomic-element e-flexbox-base e-default-div icwi-inner e-6b4010a8-cd40 \" data-id=\"7ecdf0f6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7ecdf0f6\" data-e-type=\"e-flexbox\" data-id=\"7ecdf0f6\">\n    \t\t\t<h2 data-interaction-id=\"2bbe301f\" class=\"icwi-faq-title icwi-text-blue e-heading-base e-default-h2\" data-e-type=\"widget\" data-id=\"2bbe301f\">Your Claims Questions<br><strong>Answered<\/strong> <span>(FAQ&#8217;s)<\/span><\/h2>\n\t\t<div class=\"elementor-element elementor-element-7f924553 e-con e-atomic-element e-flexbox-base e-default-div e-4c34190-1920 \" data-id=\"7f924553\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7f924553\" data-e-type=\"e-flexbox\" data-id=\"7f924553\">\n    <div class=\"elementor-element elementor-element-37270bfb e-con e-atomic-element e-accordion-base  e-8c5ba8b-160c \" data-id=\"37270bfb\" data-element_type=\"e-accordion\" data-e-type=\"e-accordion\" data-interaction-id=\"37270bfb\" data-e-type=\"e-accordion\" data-id=\"37270bfb\">\n    <details class=\"elementor-element elementor-element-569393ac e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"569393ac\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"569393ac\" data-e-type=\"e-accordion-item\" data-id=\"569393ac\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-37baee2e e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"37baee2e\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"37baee2e\" data-e-type=\"e-accordion-item-header\" data-id=\"37baee2e\">\n    <span class=\"elementor-element elementor-element-425b9a0e e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"425b9a0e\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"425b9a0e\" data-e-type=\"e-accordion-item-title\" data-id=\"425b9a0e\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"7ed6749a\" data-e-type=\"widget\" data-id=\"7ed6749a\">Are accessories in my car automatically covered?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-667755e9 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"667755e9\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"667755e9\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"667755e9\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"2717edc8\" data-e-type=\"widget\" data-id=\"2717edc8\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-69ebf9a9 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"69ebf9a9\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"69ebf9a9\" data-e-type=\"e-accordion-item-content\" data-id=\"69ebf9a9\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"2b09993a\" data-e-type=\"widget\" data-id=\"2b09993a\">Once accessories or stereo equipment are not factory fitted, it is your responsibility to produce documentation to prove the value of accessories and to ensure that these are specifically insured under your Motor policy.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-2e4ebb28 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"2e4ebb28\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"2e4ebb28\" data-e-type=\"e-accordion-item\" data-id=\"2e4ebb28\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-2653f47e e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"2653f47e\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"2653f47e\" data-e-type=\"e-accordion-item-header\" data-id=\"2653f47e\">\n    <span class=\"elementor-element elementor-element-6cb98ffc e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"6cb98ffc\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"6cb98ffc\" data-e-type=\"e-accordion-item-title\" data-id=\"6cb98ffc\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"59dc5b3e\" data-e-type=\"widget\" data-id=\"59dc5b3e\">Do I have a grace period?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-6ff98509 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"6ff98509\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"6ff98509\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"6ff98509\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"1d355c57\" data-e-type=\"widget\" data-id=\"1d355c57\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-536eb209 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"536eb209\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"536eb209\" data-e-type=\"e-accordion-item-content\" data-id=\"536eb209\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"f402fc2\" data-e-type=\"widget\" data-id=\"f402fc2\">If your insurance cover expires at midnight before a public holiday or weekend, you should ensure that your policy is renewed before date as there is no grace period.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-75e7c6c2 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"75e7c6c2\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"75e7c6c2\" data-e-type=\"e-accordion-item\" data-id=\"75e7c6c2\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-660ee68e e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"660ee68e\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"660ee68e\" data-e-type=\"e-accordion-item-header\" data-id=\"660ee68e\">\n    <span class=\"elementor-element elementor-element-25cdadc6 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"25cdadc6\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"25cdadc6\" data-e-type=\"e-accordion-item-title\" data-id=\"25cdadc6\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"415b319e\" data-e-type=\"widget\" data-id=\"415b319e\">Do I have to pay my premium all at once?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-321a3bac e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"321a3bac\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"321a3bac\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"321a3bac\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"739bf7e7\" data-e-type=\"widget\" data-id=\"739bf7e7\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-67bf0056 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"67bf0056\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"67bf0056\" data-e-type=\"e-accordion-item-content\" data-id=\"67bf0056\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"2860ab8c\" data-e-type=\"widget\" data-id=\"2860ab8c\">No, ICWI offers the most flexible payment plans without using a finance company: Semiannual and Quarterly. To make paying your premiums even more convenient, you can choose from our many payment methods:<\/p>\n\t\t\t\t\t<span class=\"icwi-faq-a e-paragraph-base e-default-span\" data-interaction-id=\"3669bdf2\" data-e-type=\"widget\" data-id=\"3669bdf2\"><ul><li>Tele Scotia<\/li><li>Post-dated cheques<\/li><li>Tele Midas<\/li><li>Cash<\/li><li>Pre-authorized payment from your chequing or savings account<\/li><li>Credit Card<\/li><\/ul><\/span>\n\t\t\t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"4ff7a6ed\" data-e-type=\"widget\" data-id=\"4ff7a6ed\">Please note that in the event of a claim, all outstanding premiums become due. Remember you must pay on time! Late payments incur a penalty.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-3fcc9325 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"3fcc9325\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"3fcc9325\" data-e-type=\"e-accordion-item\" data-id=\"3fcc9325\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-74521d2b e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"74521d2b\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"74521d2b\" data-e-type=\"e-accordion-item-header\" data-id=\"74521d2b\">\n    <span class=\"elementor-element elementor-element-7b4c2e22 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"7b4c2e22\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"7b4c2e22\" data-e-type=\"e-accordion-item-title\" data-id=\"7b4c2e22\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"665a64db\" data-e-type=\"widget\" data-id=\"665a64db\">If I am insured under a private motor cover, can the vehicle be used for business?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-5fee0b27 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"5fee0b27\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"5fee0b27\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"5fee0b27\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"1f50e242\" data-e-type=\"widget\" data-id=\"1f50e242\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-143e6515 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"143e6515\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"143e6515\" data-e-type=\"e-accordion-item-content\" data-id=\"143e6515\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"39144bed\" data-e-type=\"widget\" data-id=\"39144bed\">The vehicle can be used for your business purposes if the insurance company has been be notified of the change. This cover will attract additional premium.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-34a6e8c e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"34a6e8c\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"34a6e8c\" data-e-type=\"e-accordion-item\" data-id=\"34a6e8c\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-7902c20c e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"7902c20c\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"7902c20c\" data-e-type=\"e-accordion-item-header\" data-id=\"7902c20c\">\n    <span class=\"elementor-element elementor-element-541cdd82 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"541cdd82\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"541cdd82\" data-e-type=\"e-accordion-item-title\" data-id=\"541cdd82\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"72a2fb79\" data-e-type=\"widget\" data-id=\"72a2fb79\">If I make a windscreen claim, is my claim discount affected?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-60ed08aa e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"60ed08aa\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"60ed08aa\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"60ed08aa\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"31231540\" data-e-type=\"widget\" data-id=\"31231540\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-46ae2739 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"46ae2739\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"46ae2739\" data-e-type=\"e-accordion-item-content\" data-id=\"46ae2739\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"1be6180b\" data-e-type=\"widget\" data-id=\"1be6180b\">No. A windscreen claim does not affect your NCD, nor is an excess payable. The benefit is limited to two (2) claims for the life of the policy. You can purchase\/reinstate this benefit after the 2<sup>nd<\/sup> claim.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-1044d9 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"1044d9\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"1044d9\" data-e-type=\"e-accordion-item\" data-id=\"1044d9\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-448ba1e4 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"448ba1e4\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"448ba1e4\" data-e-type=\"e-accordion-item-header\" data-id=\"448ba1e4\">\n    <span class=\"elementor-element elementor-element-5ca6d6f3 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"5ca6d6f3\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"5ca6d6f3\" data-e-type=\"e-accordion-item-title\" data-id=\"5ca6d6f3\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"168cd35c\" data-e-type=\"widget\" data-id=\"168cd35c\">If I modify my car will it affect my premium?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-3b9b1c46 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"3b9b1c46\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"3b9b1c46\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"3b9b1c46\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"67f41419\" data-e-type=\"widget\" data-id=\"67f41419\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-21a5ecb6 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"21a5ecb6\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"21a5ecb6\" data-e-type=\"e-accordion-item-content\" data-id=\"21a5ecb6\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"2bf16f0d\" data-e-type=\"widget\" data-id=\"2bf16f0d\">You must advise ICWI of any change to your vehicle which would increase performance. The associated risk will be underwritten to determine if there will be an increase in premium.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-194812b1 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"194812b1\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"194812b1\" data-e-type=\"e-accordion-item\" data-id=\"194812b1\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-622a8026 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"622a8026\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"622a8026\" data-e-type=\"e-accordion-item-header\" data-id=\"622a8026\">\n    <span class=\"elementor-element elementor-element-7f3d2493 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"7f3d2493\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"7f3d2493\" data-e-type=\"e-accordion-item-title\" data-id=\"7f3d2493\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"16b93b4b\" data-e-type=\"widget\" data-id=\"16b93b4b\">What do I do if I sell my car? Can I sell my insurance?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-6d94b373 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"6d94b373\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"6d94b373\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"6d94b373\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"2aa0a9fa\" data-e-type=\"widget\" data-id=\"2aa0a9fa\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-7d2d2573 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"7d2d2573\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"7d2d2573\" data-e-type=\"e-accordion-item-content\" data-id=\"7d2d2573\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"5affec11\" data-e-type=\"widget\" data-id=\"5affec11\">The coverage provided is for you only, you cannot sell or transfer your insurance policy. Should you dispose of your vehicle by whatever means, whether sale or gift to a friend you must do the following:<\/p>\n\t\t\t\t\t<span class=\"icwi-faq-a e-paragraph-base e-default-span\" data-interaction-id=\"197528eb\" data-e-type=\"widget\" data-id=\"197528eb\"><ul><li>Advise ICWI immediately of the sale and change ownership of the vehicle<\/li><li>Surrender the Insurance Certificate or Cover Note to ICWI.<\/li><li>Request that the coverage on the vehicle be terminated<\/li><\/ul><\/span>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-3bf2106e e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"3bf2106e\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"3bf2106e\" data-e-type=\"e-accordion-item\" data-id=\"3bf2106e\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-6f17b452 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"6f17b452\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"6f17b452\" data-e-type=\"e-accordion-item-header\" data-id=\"6f17b452\">\n    <span class=\"elementor-element elementor-element-290c221c e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"290c221c\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"290c221c\" data-e-type=\"e-accordion-item-title\" data-id=\"290c221c\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"522513b8\" data-e-type=\"widget\" data-id=\"522513b8\">What is a no claim discount (NCD)?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-478e74b9 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"478e74b9\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"478e74b9\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"478e74b9\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"5e22d6e4\" data-e-type=\"widget\" data-id=\"5e22d6e4\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-12c2721a e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"12c2721a\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"12c2721a\" data-e-type=\"e-accordion-item-content\" data-id=\"12c2721a\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"1860fffa\" data-e-type=\"widget\" data-id=\"1860fffa\">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.<\/p>\n\t\t\t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"60cd297\" data-e-type=\"widget\" data-id=\"60cd297\">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 identical ownership. Once there is a claim, whether you are at fault or not, your NCD may be affected.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-1ded4d03 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"1ded4d03\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"1ded4d03\" data-e-type=\"e-accordion-item\" data-id=\"1ded4d03\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-56cd724 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"56cd724\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"56cd724\" data-e-type=\"e-accordion-item-header\" data-id=\"56cd724\">\n    <span class=\"elementor-element elementor-element-54a4742e e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"54a4742e\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"54a4742e\" data-e-type=\"e-accordion-item-title\" data-id=\"54a4742e\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"5a6d7343\" data-e-type=\"widget\" data-id=\"5a6d7343\">What is included under homeowners insurance?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-79146034 e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"79146034\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"79146034\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"79146034\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"4dac53d8\" data-e-type=\"widget\" data-id=\"4dac53d8\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-80a6fb3 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"80a6fb3\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"80a6fb3\" data-e-type=\"e-accordion-item-content\" data-id=\"80a6fb3\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"42091e9\" data-e-type=\"widget\" data-id=\"42091e9\">Homeowners Insurance covers loss or damage arising from a variety of \u201cPerils\u201d such as fire, hurricane, earthquake, flood, faulty plumbing. It also includes cover for your liability to third parties in the event of your negligence. Please consult your Insurance Company\/Broker for full details.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-30abb797 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"30abb797\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"30abb797\" data-e-type=\"e-accordion-item\" data-id=\"30abb797\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-5f25daf9 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"5f25daf9\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"5f25daf9\" data-e-type=\"e-accordion-item-header\" data-id=\"5f25daf9\">\n    <span class=\"elementor-element elementor-element-5fe53d67 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"5fe53d67\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"5fe53d67\" data-e-type=\"e-accordion-item-title\" data-id=\"5fe53d67\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"7a5557e9\" data-e-type=\"widget\" data-id=\"7a5557e9\">What is the policy excess?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-296bc32a e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"296bc32a\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"296bc32a\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"296bc32a\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"4f0aea50\" data-e-type=\"widget\" data-id=\"4f0aea50\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-f302607 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"f302607\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"f302607\" data-e-type=\"e-accordion-item-content\" data-id=\"f302607\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"5f76d3fb\" data-e-type=\"widget\" data-id=\"5f76d3fb\">The excess is the first portion of claim you pay when making a claim. It is specified as a percentage of the value of the vehicle. The excess must be paid whether you are at fault or not. Your insurance policy covers any amount over the excess up to the sum insured.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-7fe12397 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"7fe12397\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"7fe12397\" data-e-type=\"e-accordion-item\" data-id=\"7fe12397\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-7c5d8341 e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"7c5d8341\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"7c5d8341\" data-e-type=\"e-accordion-item-header\" data-id=\"7c5d8341\">\n    <span class=\"elementor-element elementor-element-5506c4e7 e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"5506c4e7\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"5506c4e7\" data-e-type=\"e-accordion-item-title\" data-id=\"5506c4e7\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"684744ac\" data-e-type=\"widget\" data-id=\"684744ac\">Who is authorized to drive my vehicle?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-7f8c78ad e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"7f8c78ad\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"7f8c78ad\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"7f8c78ad\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"4715f855\" data-e-type=\"widget\" data-id=\"4715f855\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-7a110db7 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"7a110db7\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"7a110db7\" data-e-type=\"e-accordion-item-content\" data-id=\"7a110db7\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"606759ad\" data-e-type=\"widget\" data-id=\"606759ad\">Only persons or category of persons named are covered by your Insurance Policy to drive your vehicle. If anyone else should be driving your vehicle and there is an accident you will not be entitled to any compensation.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n<details class=\"elementor-element elementor-element-4d2852d1 e-con e-atomic-element e-accordion-item-base  icwi-faq-item \" data-id=\"4d2852d1\" data-element_type=\"e-accordion-item\" data-e-type=\"e-accordion-item\" data-interaction-id=\"4d2852d1\" data-e-type=\"e-accordion-item\" data-id=\"4d2852d1\"  name=\"37270bfb\">\n    <summary class=\"elementor-element elementor-element-63b4263e e-con e-atomic-element e-accordion-item-header-base  icwi-faq-header \" data-id=\"63b4263e\" data-element_type=\"e-accordion-item-header\" data-e-type=\"e-accordion-item-header\" data-interaction-id=\"63b4263e\" data-e-type=\"e-accordion-item-header\" data-id=\"63b4263e\">\n    <span class=\"elementor-element elementor-element-3e61b7be e-con e-atomic-element e-accordion-item-title-base  \" data-id=\"3e61b7be\" data-element_type=\"e-accordion-item-title\" data-e-type=\"e-accordion-item-title\" data-interaction-id=\"3e61b7be\" data-e-type=\"e-accordion-item-title\" data-id=\"3e61b7be\">\n    \t\t\t<span class=\"icwi-faq-q e-paragraph-base e-default-span\" data-interaction-id=\"173955e1\" data-e-type=\"widget\" data-id=\"173955e1\">Why do I need to insure my property at full replacement value?<\/span>\n\t\t\n<\/span>\n<div class=\"elementor-element elementor-element-78ed541c e-con e-atomic-element e-accordion-item-icon-base  icwi-faq-icon \" data-id=\"78ed541c\" data-element_type=\"e-accordion-item-icon\" data-e-type=\"e-accordion-item-icon\" data-interaction-id=\"78ed541c\" aria-hidden=\"true\" data-e-type=\"e-accordion-item-icon\" data-id=\"78ed541c\">\n    \t\t\t<span class=\"icwi-faq-plus e-paragraph-base e-default-span\" data-interaction-id=\"5b9d4b0f\" data-e-type=\"widget\" data-id=\"5b9d4b0f\">+<\/span>\n\t\t\n<\/div>\n\n<\/summary>\n<div class=\"elementor-element elementor-element-6b14aa28 e-con e-atomic-element e-accordion-item-content-base  icwi-faq-body \" data-id=\"6b14aa28\" data-element_type=\"e-accordion-item-content\" data-e-type=\"e-accordion-item-content\" data-interaction-id=\"6b14aa28\" data-e-type=\"e-accordion-item-content\" data-id=\"6b14aa28\">\n    \t\t\t<p class=\"icwi-faq-a e-paragraph-base e-default-p\" data-interaction-id=\"7722b50\" data-e-type=\"widget\" data-id=\"7722b50\">If you insure your home for less than the full replacement value, in the event of a partial loss you would be subjected to the CONDITION OF AVERAGE. Under this condition if you have a claim for partial loss, what you would receive from the Insurance Company would be the same percentage of your loss as your sum insured is to the full replacement value, minus any excesses that are applied under this policy. E.g. your sum insured is 50% of the replacement value, you would be paid 50% of the loss, minus the excess.<\/p>\n\t\t\n<\/div>\n\n<\/details>\n\n<\/div>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Are accessories in my car automatically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Once accessories or stereo equipment are not factory fitted, it is your responsibility to produce documentation to prove the value of accessories and to ensure that these are specifically insured under your Motor policy.\"}},{\"@type\":\"Question\",\"name\":\"Do I have a grace period?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If your insurance cover expires at midnight before a public holiday or weekend, you should ensure that your policy is renewed before date as there is no grace period.\"}},{\"@type\":\"Question\",\"name\":\"Do I have to pay my premium all at once?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, ICWI offers the most flexible payment plans without using a finance company: Semiannual and Quarterly. To make paying your premiums even more convenient, you can choose from our many payment methods: Tele Scotia Post-dated cheques Tele Midas Cash Pre-authorized payment from your chequing or savings account Credit Card Please note that in the event of a claim, all outstanding premiums become due. Remember you must pay on time! Late payments incur a penalty.\"}},{\"@type\":\"Question\",\"name\":\"If I am insured under a private motor cover, can the vehicle be used for business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The vehicle can be used for your business purposes if the insurance company has been be notified of the change. This cover will attract additional premium.\"}},{\"@type\":\"Question\",\"name\":\"If I make a windscreen claim, is my claim discount affected?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. A windscreen claim does not affect your NCD, nor is an excess payable. The benefit is limited to two (2) claims for the life of the policy. You can purchase\\\/reinstate this benefit after the 2nd claim.\"}},{\"@type\":\"Question\",\"name\":\"If I modify my car will it affect my premium?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You must advise ICWI of any change to your vehicle which would increase performance. The associated risk will be underwritten to determine if there will be an increase in premium.\"}},{\"@type\":\"Question\",\"name\":\"What do I do if I sell my car? Can I sell my insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The coverage provided is for you only, you cannot sell or transfer your insurance policy. Should you dispose of your vehicle by whatever means, whether sale or gift to a friend you must do the following: Advise ICWI immediately of the sale and change ownership of the vehicle Surrender the Insurance Certificate or Cover Note to ICWI. Request that the coverage on the vehicle be terminated\"}},{\"@type\":\"Question\",\"name\":\"What is a no claim discount (NCD)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 identical ownership. Once there is a claim, whether you are at fault or not, your NCD may be affected.\"}},{\"@type\":\"Question\",\"name\":\"What is included under homeowners insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Homeowners Insurance covers loss or damage arising from a variety of \\u201cPerils\\u201d such as fire, hurricane, earthquake, flood, faulty plumbing. It also includes cover for your liability to third parties in the event of your negligence. Please consult your Insurance Company\\\/Broker for full details.\"}},{\"@type\":\"Question\",\"name\":\"What is the policy excess?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The excess is the first portion of claim you pay when making a claim. It is specified as a percentage of the value of the vehicle. The excess must be paid whether you are at fault or not. Your insurance policy covers any amount over the excess up to the sum insured.\"}},{\"@type\":\"Question\",\"name\":\"Who is authorized to drive my vehicle?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Only persons or category of persons named are covered by your Insurance Policy to drive your vehicle. If anyone else should be driving your vehicle and there is an accident you will not be entitled to any compensation.\"}},{\"@type\":\"Question\",\"name\":\"Why do I need to insure my property at full replacement value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you insure your home for less than the full replacement value, in the event of a partial loss you would be subjected to the CONDITION OF AVERAGE. Under this condition if you have a claim for partial loss, what you would receive from the Insurance Company would be the same percentage of your loss as your sum insured is to the full replacement value, minus any excesses that are applied under this policy. 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To serve you better, and make the claims process as quick and easy as possible, ICWI has created a checklist of what you [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4157,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4070","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/pages\/4070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/comments?post=4070"}],"version-history":[{"count":3,"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/pages\/4070\/revisions"}],"predecessor-version":[{"id":4615,"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/pages\/4070\/revisions\/4615"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/media\/4157"}],"wp:attachment":[{"href":"https:\/\/icwi.wfxdev.com\/caymanislands\/wp-json\/wp\/v2\/media?parent=4070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}