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Terms of Use


Please read the following section carefully as it contains the conditions of use governing your use of our website, mobile application and other electronic based functions (“web system”).


If you wish to discuss any of the conditions of use set out herein, you may do so by contacting us at 1888-224-2467, or info@bcicjamaica.com.


Please note that by accessing any pages on our web system (other than reading these Terms of Use for the first time), it represents that you have read, understood and agreed to comply with all the Terms and Conditions hereof. If you are not in agreement with these Terms and Conditions, please immediately discontinue your access to our web system and/or use of the services.




While we have taken care in the preparation of our web system, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to our web system at all times, that defects will be remedied, or that our web system, or the server that makes our web system available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.




Through your use of our web system, you agree that information that is provided by you will be dealt with in accordance with our Privacy Notice.




The information and descriptions on our web system do not necessarily represent complete descriptions of all terms, conditions, benefits and exclusions. Therefore, the precise cover provided (as applicable) shall be included in the schedule of cover, certificate of insurance, policy of insurance, and any endorsements, addendums, and conditions of purchase issued to you (“policy documents”). It follows that if you apply for any product or service detailed on our web system, these conditions of use should be read in conjunction with the policy documents relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service terms and conditions, the latter shall prevail.


At all times, you are to ensure that the details you give to us while using our web system are correct and that there are sufficient funds to cover the cost of the product or service. Any credit or debit card you are using must be your own and not in anyone else's name. 




We will do our best to correct errors and omissions as soon as we can. Nevertheless, on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel any contract we may have entered into with you, but this of course will be without any liability to you and a premium refund will be offered, if applicable.


The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our web system. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.


While we have taken all reasonable steps to ensure the accuracy and completeness of the content of our web system, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that our web system or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of our web system or any part of the content or materials are appropriate or available for use either in Jamaica or in other jurisdictions. If you use our web system from other jurisdictions, you are responsible for compliance with applicable local laws.


We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to our web system (which includes without limitation) any errors or omissions contained in our web system or if our web system is unavailable and we shall not be liable for any direct or indirect:


  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of our web system and these terms and conditions.


Access to and use of our web system is at the user's own risk and we do not warrant that the use of our web system or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of our web system by unauthorised third parties.


Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from our web system. We have in place, firewalls that protect our web system. Industry standard Secure Socket Layer (SSL) communication protocol is the de facto cryptographic standard that we use for securing data communication between the browser and our web system. However, the Internet is not a secure medium and we do not give any guarantee that any communication through our web system that you may send us or we may send to you will be received or that the contents will remain confidential, secure or unmodified during the transmission.


Our web system does not provide personal financial advice that takes into account your particular circumstance. As such, before you apply for any insurance or make any financial decision, you should assess whether the information on our web system is appropriate to your financial circumstance and/or consult your insurance or financial adviser.




We reserve the right to amend these Terms and Conditions without notice from time to time.  Any such amendment shall be effective once the revisions have been posted on our web system. As these Conditions of Use may be updated from time to time, we suggest that you check them whenever you visit our web system. If any amendment to these Terms and Conditions is unacceptable to you, please immediately discontinue your access to our web system and/or use of the services.




We also reserve the right at any time to make changes to our web system and/or the services provided with or without notice. We will not be liable to you or any third party for any modification, suspension or discontinuance of our web system. 




Our web system may be linked to other websites which are not maintained by us. We do not accept any responsibility for the contents on these websites. Any link provided in our web system to other websites does not mean or imply that we have approved or endorsed such websites or their contents.




Copyright in the whole and every part of our web system belongs to or is licensed to British Caribbean Insurance Company Limited (BCIC), unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of BCIC. BCIC is the owner and proprietor of or has the right to use all the marks, whether service marks, trademarks or logos found on our web system. Please do not use these marks and icons. Any pictures or images displayed on our web system belong to or are displayed by BCIC with permission of the owners of these pictures or images. Please do not use any of these pictures or images. 




If you choose to send any confidential information (e.g. credit card details) to us via public email systems like Yahoo, Hotmail etc., you accept the risk that this information may be intercepted by a third party. 




You may only use our web system for lawful purpose only. Transmission and/or posting of any material in violation of any international or local regulations are prohibited. 




When you select a password and sign-up in order to access our online policyholder services, you agree to the following conditions:


  • We are authorized to act on instructions received under your password without any requirement to question those instructions;
  • We are not liable for any unauthorized access to your personal information that is not directly due to our negligence;
  • Your password contains sensitive information and you are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account;
  • You will notify us immediately if you believe anyone else has learned your password or if you believe an unauthorized access to BCIC or your personal information has occurred or may occur;
  • We may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so; and
  • You must not use our web system in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.




Telephone calls and email correspondence with us as a result of your access to our web system may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.




You may not be eligible for all products and services and we reserve the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of our web system related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.




All quotes generated by our web system are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our web system are general descriptions of available coverages and are not a statement of contract.


Your insurance application when accepted by us will form part of and be governed by the terms and conditions contained in the insurance policy that we issue to you. However, we reserve the right to refuse or cancel any insurance applications made through our web system.


For additional information please contact one of our customer service representatives.




If you are a BCIC policyholder, you may elect to report an insurance claim online. Your submission does not commit us to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. We therefore reserve the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact us at 1888-224-2467, or info@bcicjamaica.com.




Unless you tell us otherwise, we will provide electronically to you though electronic mail [“email”] all required notices (including renewal notices, legal notices and notices of the pro rata condition of average given pursuant to section 120 of the Insurance Act) and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or document, we prefer to provide all of the required notices and documents to you by the same method and to the same email address that you have provided. If you do not agree with this process, please let us know by contacting us 1888-224-2467, or info@bcicjamaica.com


At any time, you may request from us a paper copy of any notice or document provided or made available electronically to you by us. Note however, that if you elect to receive notices and documents in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you


You will have the ability to download and print notices and documents that we send to your email address.


Please advise us immediately if there are any changes to your email address by sending us an email at info@bcicjamaica.com, in which you will state what your new email address is.




By accessing our web system, you agree that such access and/or use, as well as these terms, shall be governed by the laws of Jamaica and via the exclusive jurisdiction of the Jamaica Courts unless expressly agreed otherwise by BCIC.




Please feel free to contact us at 1888-224-2467, or info@bcicjamaica.com for additional information.  

©2013 Copyright, British Caribbean Insurance Company Ltd.| 36 Duke Street, Kingston, Jamaica