If you live abroad and own property, vehicles, or have family in Guyana — your foreign insurance does not cover any of it. This guide explains exactly what you need, how to arrange it without travelling to Guyana, and how claims are handled on your behalf from anywhere in the world.
Insurance policies are territorial. Your Canadian, American, or British home insurance covers only the property at the address listed on that policy. Your foreign motor insurance covers only vehicles registered in that country. Your overseas life insurance may lapse or change terms if the insured becomes resident elsewhere.
⚠ Thousands of Guyanese living abroad own homes, investment properties, vehicles, and land in Guyana with no insurance protection whatsoever. When a fire, flood, break-in, or accident occurs, the loss is total and unrecoverable.
ⓘ You do not need to visit Georgetown or our office for any part of the process. Everything — quotation, documentation, policy issuance, and claims management — is handled digitally and by correspondence.
Property insurance is the most critical and most commonly neglected cover for diaspora Guyanese. Guyana's climate and geographic location make several perils particularly relevant.
⚠ Flood is a significant peril in Guyana, particularly in Georgetown and coastal areas. Confirm explicitly that your policy includes flood coverage and review the specific flood definition with your broker.
ⓘ If the vehicle is financed, the finance company must be noted as Loss Payee on the policy. Confirm this requirement with your lender before arranging cover.
ⓘ Five local insurers provide group life and health coverage in Guyana, each with their own medical network. We benchmark all five simultaneously to find the best rates and coverage for your family's needs.
Everything is handled digitally. You do not need to visit Guyana or our office at any stage.
⚠ Insurance cannot be backdated. Contact us before a loss occurs — not after. If you are reading this after an incident has already happened, contact us anyway and we will advise on your options.
ⓘ Having a trusted local contact in Guyana — a family member, caretaker, or attorney — who can document damage immediately after an incident significantly helps the claims process. We work with whoever you nominate.