1. To qualify for membership the member must at all times during
the period of membership own and drive the insured vehicle.
2. The benefits offered shall apply only to Private Motor Comprehensive
insurance for which there is no membership fee and Private Motor
Third Party insurance for which an annual membership fee of $5,000:
- is payable.
3. The vehicle must be used solely for social,
domestic and pleasure purposes.
4. Members who qualify with Third Party insurance
must pay the annual FRRC membership fees at the time the policy
is effected or renewed. Where a member applies after the effective
date of the policy membership is subject to the discretion of management.
5. Members shall be provided with an identification
card bearing the details of the membership along with a photograph.
When assistance is sought from MMC Security Force Inc. such assistance
shall only be provided if the member can produce to MMC the identification
card evidencing membership of the FRRC.
6. On rendering service MMC will request that
the member complete a Provision of Services form, which will indicate
the type of service performed by MMC.
7. The member shall inform GTM of the request
for assistance within one week of the date from which the request
was made
8. Assistance from MMC will not be rendered where
any person other than the member driving the insured vehicle requires
assistance.
9. Membership is not an automatic right and at
all times is subject to the discretion of management who may make
amend or vary membership rules at any time without notice to the
members.
10. All members are entitled to four requests
for assistance per annum after which time the Company shall restrict
any further requests until the policy ends and the policy is renewed.
11. If the membership card is lost or stolen
the member shall notify GTM Fire Insurance Company Limited immediately
so that a new card may be issued.
12. Assistance will only be provided in the following
geographical areas:
Zone 1 - East Bank up to Providence
East Coast up to Beterverwagting
Zone 2 - East Bank up to Timehri
East Coast up to Bachelors Adventure
West Demerara up to Leonora.
13. Assistance shall be limited to the geographical areas listed
at rule twelve (12) only.
14. Where assistance is sought for the purpose
of providing security such security shall be provided for the period
not exceeding two (2) hours or until the emergency services and
or towing services arrive whichever is earlier.
15. The member shall ensure that a spare tyre
is available where the member requires the change of tyre service.
GTM/MMC shall not be responsible for the provision or availability
of an appropriate/adequate spare tyre in the event the member suffers
a flat tyre.
16. Where towing services are required those
members with Comprehensive insurance shall pay the towing charges
and submit a valid receipt as part of their claim under the Comprehensive
cover if the claim arises out of a accident. GTM shall not be liable
for towing charges where the damage is caused by a breakdown For
those with Third Party insurance the member shall pay the towing
charges without reference to GTM, as towing charges are not covered
under Third Party insurance.
17. GTM reserves the right to terminate membership
of any member where it deems necessary at any time without prior
notice to the member. Where such termination occurs before the member
has utilised the services of MMC the member shall be refunded the
membership fee.
18. GTM shall not be liable for any loss/damage
suffered in the event that MMC fails to respond to a call for assistance
and or there is a delay in response.
19. GTM shall bear no liability for any loss
or damage howsoever caused by any third parties and or independent
contractors save for those arising out of the negligence of GTM
or its employees.
Marine Insurance
Coverage for goods in transit and the vessels that transport them
and generally applies to ocean marine insurance. Covers damage or
destruction to ship and/or cargo and includes perils such as fire,
sinking, capsizing, collision, jettisoning cargo.
All Risk Cover
This plan covers machinery, equipment, computers etc against direct
physical loss or damage caused by Fire, Perils, Burglary, Theft,
Forces of Nature etc.
Other Insurances Offered