Frequently asked questions
Questions,answered
Short answers about the campaign, how to take part, and a few insurance basics. Everything here is general information, not advice about your own cover.
About the campaign
What is Insurance & You 2026?
A national public-education campaign to help people in Saint Lucia understand insurance. It runs for thirteen weeks from 30 October 2026, with one theme a week, free sessions and plain-English guides.
Who runs the campaign?
It is co-founded and jointly governed by the Insurance Council of Saint Lucia (ICSL) and the Financial Services Regulatory Authority (FSRA). They are equal partners: decisions about the campaign are made jointly, and neither speaks for the other.
Is the campaign trying to sell me insurance?
No. The campaign is education, not sales. It does not sell, rank or recommend any insurance product, insurer or broker, and nothing on this site or in a session is an endorsement.
What do partners get? Do they see my information?
Partners help meet the campaign's costs. They have no say in what the campaign teaches, and they never receive participant information. A partner's name on this site is a thank-you, not a recommendation.
Taking part
Does it cost anything to take part?
No. The campaign's public sessions and guides are free.
How can I take part?
Follow the weekly themes, come to a session, or read a guide. Sessions are added to the events page as they are confirmed, and you register with just your name, email and phone. Employers, schools and community groups can also ask to host a session.
Can I attend the launch on 30 October?
The launch event is by invitation only. Everyone can follow the campaign from the first week: the programme shows what each week covers, and public sessions appear on the events page as they are confirmed.
How do I contact the campaign team?
Email hello@insuranceandyou.org or use the contact form. Tell us what it is about, for example an event, a guide, accessibility or hosting a session, so the right person replies.
Insurance basics
What do premium, excess and exclusion mean?
The premium is what you pay for your cover. The excess, sometimes called a deductible, is the part of a claim you pay yourself. An exclusion is something the policy does not cover.
Your own policy document is the place to check how each of these applies to you.
What should I check before I agree to a policy?
What is covered and what is excluded, how much the excess is, any waiting periods, how renewal and cancellation work, and how to make a claim. Answer every question on the application honestly and fully, and keep a copy of what you sign.
If something is unclear, ask the insurer or intermediary to explain it before you agree.
Still have a question?
Ask the campaign team. We reply by email within a few working days.