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Home » Car Insurance

Car Insurance

If you live in Bermuda, you know all about the windy and wet road conditions. Keep protected and have peace of mind with CG car insurance. 

Home » Car Insurance

Renew Online & Save

Automatically save when you renew your car policy through our online portal. It’s safe, easy, and convenient to use.

Car Insurance
Renew Online & Save
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GET A QUOTE

Good drivers can save up to 60%

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Protect yourself against unexpected costs

Without insurance, you are financially responsible for any damage that occurs to your vehicle. Car insurance covers you financially on unexpected vehicle damages, replacement and theft.

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Save up to 60% on premiums with our “No Claims Discount”

Our clients renewing their poilcy can receive a discount if they did not file a claim during their previous policy period. New customers can also benefit from this offer by providing CG with proof of their claims history.

More reasons to choose CG car insurance

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Free claim resources without affecting your premium

Our experts handle claims quickly, and with compassion. Should you want our advice but later choose not to claim, it will not impact your premium.

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Save more when you bundle with home insurance

Get an additional 10% savings on your car insurance premium when you bundle your policy with home insurance.

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Go green and get rewarded

Support the environment by going paperless. Renew and pay for your policy through our online portal, and receive an automatic discount.

What’s included in a car insurance policy

Third Party Liability

Third Party Liability covers expenses for the other person’s injuries and death or their vehicle and property damage in a collision where you are at fault.

Available in Third Party. Third Party Fire & Theft and Comprehensive.

Damages to Your Own Vehicle

We pay for the repair or replacement of your vehicle, caused by damage during a collision, hurricanes, theft, and more. We also cover damage to your windshield. Theft is also available under Third Party Fire & Theft.

Available in Comprehensive only

Uninsured Driver Protection

Uninsured driver cover pays for damage to your vehicle when involved in a collision with an uninsured driver or after a hit-and-run accident.

Available in Comprehensive only

New Car Replacement

If your car is damaged beyond repair during the first year of your policy, we will pay you full value for a new replacement car.

Available in Comprehensive only

Get a Quote

Compare our products

CG offers 3 levels of Car Insurance in Bermuda. You can compare all our products below to learn their covers.

  • Choose the plan you would like to compare

    Most popular

    • All inclusive cover to protect you and your car against collision, theft, fire and natural disasters

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Wear and tear or mechanical breakdown

        • Vehicle cover if the driver is charged with DUI

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Minimum cover with added fire and theft protection

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Collision damage to your vehicle

        • Damage to your windscreen (can be added as optional)

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Minimum cover

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Any damage to your vehicle

        • Damage to your windscreen (can be added as optional)

        • Theft or attempted theft of your vehicle

      Get a quote

      Limits, conditions, and exclusions may apply

  • Choose the plan you would like to compare

    Most popular

    • All inclusive cover to protect you and your car against collision, theft, fire and natural disasters

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Wear and tear or mechanical breakdown

        • Vehicle cover if the driver is charged with DUI

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Minimum cover with added fire and theft protection

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Collision damage to your vehicle

        • Damage to your windscreen (can be added as optional)

        • Theft if the keys were left in your car

      Get a quote

      Limits, conditions, and exclusions may apply

    • Minimum cover

      • Cover for you and any licensed drivers

        • Third Party Liability cover

        • Personal Accident Insurance to cover accidental injuries or death

        • Medical expenses up to $250 for the person driving your vehicle

      • Cover for your vehicle

        • Theft and attempted theft including keys & locks replacement

        • Fire damage

        • Hurricane and flood damage

        • Collision damage to your vehicle

        • Damage by an uninsured driver

        • Towing for your car following a collision

        • New Car Replacement

        • Windscreen replacement, without affecting your “No Claims Discount”

        • Collision Damage Waiver on car rentals in the USA and Canada

      • Not included in the plan

        • Any damage to your vehicle

        • Damage to your windscreen (can be added as optional)

        • Theft or attempted theft of your vehicle

      Get a quote

      Limits, conditions, and exclusions may apply

What our customers say

L James

I have been a client for just over a year and I have had nothing but friendly, efficient and professional services. Great prices also for vehicle insurance.

T Brown

Wonderful smiling friendly face at the reception, fast excellent service. Nice experience.

S Gillespie

I bought third party car insurance through a wonderful agent, very friendly, knowledgeable and professional. The rates are great 

G Fernander

My husband and I have been customers for a number of years now and have always been pleased with the service. The team is very professional and responsive.

K A Gordon

Recently switched from another company with a higher cost and less benefits.

B Turner

Awesome rates, and great service!

M Butler

 Quotes were delivered on time, competitive and within budget. The customer service team is friendly and responsive. 

T Dolce

I’ve been using this company for some time now and they have never let me down.

Download forms

Application

Motor Car Proposal Form
Health Questionnaire
Additional Driver Proposal

Claims

Motor Accident Claim Form
Motor Theft Claim Form
Windscreen Claim Form

Policy change

Change of Coverage Form

Frequently asked questions

Check to make sure that you and your passengers are ok. If anyone is seriously injured, call 911 immediately. After confirming that everyone is safe, make sure that you exchange details with the other driver/s. These details should include: Name; contact info; registration number; the name of each person’s insurance company; the location of the accident; and the make, model & colour of each vehicle. Do not admit any fault. Be sure to take pictures from multiple angles of all vehicles involved, as well as the location. Obtain a copy of the police report if the authorities are involved. Contact CG as soon as possible even if you do not intend to make a claim.

Call the police right away to file a report. Contact CG directly afterward by phone, email, or in-person so that our claim team can walk you through the process.

If a tree falls on your car, your comprehensive motor policy will likely cover the cost to repair the damage. However, there are times when this might not be covered by your policy, for example, if you are cutting down a tree yourself and it falls onto your vehicle. In any event, it is important to contact us to speak with a team member as soon as possible.

Speak to a CG representative to find out about the Comprehensive and Third Party options we can offer to protect your vehicle.

For a motor insurance claim we require: the operator’s driver’s licence, a police report if authorities attended, details of the incident, and the insured’s name and policy number. A claim form can be obtained at our Forms page.

You can download a copy of your current Certificate and Schedule for Personal Motor from our customer portal at hellocgi.com

You can change your address by contacting CG via phone call, email, making a visit to our office, or submitting a request on our customer portal at hellocgi.com

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