Often property owners think their properties are fully covered in the event of a hurricane but forget about the “Average Clause” and how it can affect the funds received in the event of a claim.

Average Clause states, the policy owner should bear a portion of the loss if the asset is insured for less than the actual replacement value.  So, in simpler terms, if your property is underinsured, and in the event of a loss the amount paid will only be a percentage of the claim.

Don’t worry, you can prevent this by following these precautionary measures;

  • Check with your insurance agent to ensure yearly adjustments to your premium reflects the cost of inflation and the overall value of your property
  • Reevaluate your property to be sure that you are insuring for the correct value
  • Take an inventory of the contents in your home including new valuables you may have

If after you have taken the precautionary measure you realize that your sums insured are not adequate, then contact us at 4652511 (St. Kitts) or 4695430 (Nevis) today! Ensure your property is adequately insured…remember once a loss happens, it will be too late!


Each year the St. Kitts Nevis Fire and Rescue Services hosts an annual summer safety program in the month of July educating children from the age groups 5- 12 years old from various primary schools throughout the Federation.

The theme this year was “Building for a Safer Tomorrow by Preparing our Children Today”. Under this theme, the children were taught lessons in fire safety, traffic safety, water safety, disaster preparedness and crime and violence.

Upon completion of the program it is customary to award the Junior Fire Chief and the Junior Deputy Fire Chief. “The children were graded by answering questions about the camp, and re-enacting taught actions like the drop, stop & roll, emergency calls and what to do in an emergency”. -Leroy Caines, Assistance Coordinator

TDC Insurance company donated back to school packages to the top performers. “It is with pleasure that TDC Insurance gives back to this endeavor. We are always happy to help in programs where the importance of safety and disaster preparedness is taught.”- Evon Rogers TDC Insurance Company General Manager

The St. Kitts Nevis Fire and Rescue Services expressed its heartfelt thanks for this donation.


As the Federation’s authorized dealer for Toyota vehicles, the TDC Automotive Divisions continue to place emphasis on customer safety following the announcement of a Takata Air Bag recall on selected models.

The affected vehicles are equipped with a Takata-produced front airbag, which could potentially be susceptible to deploy abnormally in a crash.

These airbags have inflators that can rupture during deployment and may pose a greater risk when exposed to prolonged hot and humid conditions causing serious injury or even death.

If your Toyota vehicle falls within the following model range, please contact the TDC Automotive Division in St. Kitts or Nevis, who will advise you if the recall is applicable to your vehicle:

  • Toyota RAV4                        2003 to 2005 Models
  • Toyota Corolla                      2003 to 2013 Models
  • Toyota Yaris/Belta                2006 to 2012 Models
  • Toyota 4Runner                   2013 to 2016 Models

Our in-house Toyota Service Advisor will schedule an appointment to perform this FREE repair.

Additional information can also be requested via telephone at 465 2511 (St. Kitts) or 469 5430 (Nevis) or email address, garage@tdcgroupltd.com.

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