Terms and Conditions

  • 1. Overview

    This Agreement governs the use of this site (hereinafter referred to as “JNGI Online”) and is made and entered into by and between JN General Insurance Company Limited (“JNGI”) and the potential /existing owner of a policy with JNGI (“you”). Your use of JNGI Online is governed by these Terms and Conditions which must be read together with any other terms and conditions governing the Policy. Where there is any conflict or inconsistency between the two, the Terms and Conditions in the policy document shall prevail to the extent of any such conflict or inconsistency.

  • 2. The JNGI Online Service

    • 2.1 JNGI Online allows individuals to use their personal computer or other similar electronic devices to purchase a new motor vehicle insurance policy, renew an existing policy or notify JNGI of a claim online. With JNGI Online, you will be able to:
      • 2.1.1 Obtain a motor vehicle insurance quote or renew your existing policy from your renewal notice;
        2.1.2 Upload documentation;
        2.1.3 Make insurance premium payment using a credit card;
        2.1.4 Receive an e-Cover Note;
        2.1.5 Make arrangements for the delivery of policy documentation;
        2.1.6 Advise JNGI and the Jamaica Automobile Association (JAA) of an accident.
        2.1.7 Such other services as JNGI may from time to time make available to you via JNGI Online.
    • 2.2. In order to purchase motor insurance via JNGI Online you must:
      • 2.2.1 have Internet connection and a personal computer or similar electronic device that is able to connect to the internet
        2.2.2 own a Visa or MasterCard Credit Card, or NCB KeyCard
        2.2.3 have the following documentation in an electronic form for upload:
        • a) Current and valid Photo ID (Passport, Driver’s Licence or Voters ID)
          b) TRN card (If not using a Driver’s Licence as your photo ID)
          c) Proof of address (e.g. a recent utility bill)
          d) Vehicle Registration Certificate, Certificate of Fitness (in the case of a new vehicle the Import Entry or Certificate of Title in place of the Registration Certificate)
        2.2.4 complete all information required to complete your purchase. (you will receive notifications if required information is not given)
    • 2.3 If the policy will be in the name of more than one persons, these terms and conditions apply to you individually and jointly with the other applicant(s).
    • 2.4 Subject to the carrying out of maintenance work on JNGI’s equipment and systems required for operation of the JNGI Online Online service and to any factors outside of the control of JNGI, JNGI Online Online shall be available to you twenty-four (24) hours per day and seven (7) days per week.
    • 2.5 You understand that your access to the JNGI Online Online service via the internet is through your Network Service Provider and to that extent your access to JNGI Online Online will be subject to the Network Service Provider’s terms and conditions.
    • 2.6 You acknowledge that, in cases which involve or require the consent or approval of third parties, JNGI’s obligations to perform any instructions would be subject to such consent and approval.
    • 2.7 You agree to have JNGI electronically deliver to you documents, records and information regarding your policy purchased online as set out in our Delivery Policy.
  • 3. Online Payments

    • 3.1 Payments on JNGI Online Online shall be by way of a Visa or MasterCard credit card, or NCB Keycard.
    • 3.2 Once you enter your credit card information this automatically authorises JNGI to request payment from your bank for the amount of the transaction. If the payment was successful, your bank will confirm that the payment was completed. If unsuccessful, you bank will advise that the payment has failed. JNGI will not be advised why a payment has failed, therefore you should contact your credit card issuing bank for details. If your payment fails, you will not be provided with an e-Cover Note. You will have to use a different credit card or arrange an alternate payment method at a JNGI branch.
    • 3.3 JNGI will confirm your payment details via email.
    • 3.4 Online payments are subject to the terms and conditions and/or approval of the bank which issued the credit card used to make the payment. Online payments shall be subject to such terms and conditions as imposed by the relevant bank at their absolute discretion from time to time.
    • 3.5 You acknowledge and agree that JNGI shall not be responsible or liable for any delay or failure to effect a payment where your bank which issued the credit card has delayed, rejected, refused or is otherwise unable to process such payment.
  • 4. E-Cover Notes

    • You acknowledge that the issue of an e-Cover Note is conditional on JNGI’s verification procedures including but not limited to verifying the accuracy and authenticity of information provided and documentation uploaded by you.
  • 5. Inability or Refusal to Process Transactions

    • 5.1 JNGI may be unable to process or complete a transaction, may terminate your access to JNGI Online Online or may refuse to provide a Quote or process any payment for any reason including but not limited to the following:
      • 5.1.1 The function for executing payments is malfunctioning;
        5.1.2 You have not provided JNGI with complete and/or correct information including credit card information;
        5.1.3 There is a failure in hardware, software, or telecommunications equipment;
        5.1.4 The necessity of JNGI to comply with any laws, regulations, or directives;
        5.1.5 The negligence, omission, delay, or misconduct of a third party; or factors or circumstances beyond its control including but not limited to fire, earthquake, flood, riot, power failure, or strike.
    • 5.2 JNGI shall not incur any liability whatsoever where it refuses or is unable to process or complete any transaction for any reason and in particular in any of the following circumstances.
  • 6. Transaction Confirmation

    • Confirmation of all JNGI Online Online transactions will be sent electronically to the email address you provided and should include particulars such as a description of the relevant transaction, the date of the relevant transaction and the amount of the relevant transaction.
  • 7. Service Fees and Charges

    • JNGI reserves the right to charge fees for JNGI Online services. By entering into this Agreement you agree to pay all such fees and charges if and when applicable and you hereby authorise JNGI to include the calculated amount for such fees and charges in the amount charged to your credit card. All transactions are charged in Jamaican Dollars.
  • 8. Confidentiality

    • Subject to the provisions set out in our Privacy Policy, JNGI agrees as far as possible to keep information relating to your policy or transaction(s) confidential. Please refer to our Privacy Policy for details regarding how JNGI treats the information collected from you.
  • 9. Limitation of Liability

    • 9.1 Subject to provisions herein, JNGI shall not be liable for any damages, losses, costs, or expenses which may be incurred by you or any third party in relation to the terms and conditions hereunder unless such damages, losses, costs, or expenses were solely and directly as a result of JNGI’s gross negligence or wilful misconduct. Any entitlement hereunder to recover damages shall be limited to actual damages.
    • 9.2 In no event shall JNGI be liable for special, indirect, consequential, exemplary, or punitive damages including, without limitation, lost profits or Attorneys'-at-Law fees, even where JNGI is aware of the possibility of such damages.
    • 9.3 JNGI shall not be liable or responsible for any inaccuracies, errors, failures, malfunctioning, delays, costs, expenses, damages, losses, or injury arising directly or indirectly from hardware, software, computer related equipment, telecommunications systems operated or controlled by JNGI, a third party, or yourself or from any problems associated with viruses, electricity supply problems, hackers, or otherwise.
    • 9.4 JNGI does not give any express or implied warranties or make any representations concerning the merchantability or suitability of JNGI Online Online for any particular purpose, concerning the software, hardware, or browsers used or recommended herein, or concerning the non-infringement of third party proprietary rights.
    • 9.5 JNGI shall endeavour to provide satisfactory and reliable service in accordance with the terms and conditions herein, however, JNGI does not warrant that the operation of JNGI Online Online shall be entirely uninterrupted, error free, timely or secure.
  • 10. Force Majeure

    • JNGI shall be released from its obligations hereunder in the event of national emergency, riot, war, industrial disputes, strikes, prohibitive government regulation or order, fire, storm, earthquake or other Act of God, utility, communication or transportation delays or failures; or if any other cause beyond the control of JNGI renders performance of its obligations in respect of JNGI Online impossible.
  • 11. Assignment

    • You cannot assign this Agreement or all or any of your rights and obligations hereunder. JNGI may however in its sole discretion assign this Agreement to any entity. JNGI may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.
  • 12. Amendments

    • JNGI reserves the right to amend the terms and conditions of this Agreement inclusive of the services provided herein. You agree to view these terms and conditions each time you access and use JNGI Online and your continued access or use of JNGI Online after any such amendments become effective will constitute your acceptance of the amended terms and conditions of this Agreement.
  • 13. Queries and Issues

    • In the event that you wish to raise any queries or clarify any issues relating to any transaction you must contact JNGI as soon as possible via telephone at 876-922-1460-5; 922-8200-5; or toll free at 1-888-225-5636 or via email at info@jngijamaica.com or such other contact information that JNGI may specify from time to time. Please note that email communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us. JNGI will respond to your queries and issues within two business days.
  • 14. Jurisdiction

    • This Agreement shall be governed by and construed in accordance with Jamaican law and the parties hereto agree to submit to the exclusive jurisdiction of the Jamaican courts.
  • 15. Declarations

    • I/We warrant that:
      • • The statements made and particulars provided are true
        • I/We have not suppressed or misstated any fact
        • The vehicle(s) referred to in this online application is/are in good condition and repair
      I/We desire to effect insurance in accordance with the terms, conditions and exceptions of the Company’s standard policy. I/We agree that the Proposal and any Declaration Form(s) completed by Other Driver(s) shall form the basis of the Contract between me/us and the Company and shall be deemed as incorporated in the policy to be issued.
      I/We further declare and agree that if the statements and particulars have been filled in by a person other than the insured, such person shall be deemed to be my/our Agent for the purpose of filling in this Proposal Form.
      I/We understand and agree that:
      • • JNGI may record and store all information on my/our account in such form and by such means as JNGI deems fit.
        • JNGI may use the services of its parent company or its fellow subsidiaries and affiliates or any electronic data processing service provider in connection with the management of my/our account and related data.
        • Save and except where I/we communicate an objection to JNGI in writing, my/our personal information shall be shared with JNGI’s parent company its subsidiaries and affiliates.
  • 16. Incorporation of Terms

Last updated: February 23, 2015

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