Find the right cover
Insurance and savings plans in Guyana
Choose what you want to protect or save for. Each page explains the plans available in Guyana, who they suit and how to apply.
Life insurance
Life insurance pays your family a lump sum if you die. Plans with cover for life, cover that is paid up by a set age, cover for serious illness, and a funeral plan with a short application.: life insurance in Guyana
Health insurance
Health insurance for doctor visits, hospital, dental and vision costs for you and your family.: health insurance in GuyanaHome and fire insurance
Fire and property insurance for your house, contents and business premises.: home and fire insurance in Guyana
Car and motor insurance
Third-party and comprehensive motor insurance for private cars, commercial vehicles and motorcycles.: car and motor insurance in GuyanaGroup insurance and employee benefits
Group life, group health and creditor life insurance for employers, credit unions and lenders.: group insurance and employee benefits in Guyana
Savings and investment plans
Savings plans that build a cash value you can borrow against or take at a date you choose, with life insurance included.: savings and investment plans in Guyana
Demerara Fire & General
Car, home and business insurance in Guyana
Demerara Fire & General insures private and commercial vehicles, houses, contents and business premises. Get a quote, renew or make a claim at the same offices.
Why Demerara Mutual
A Caribbean insurer
for over 130 years
Demerara Mutual is a mutual life assurance society founded in Georgetown in 1891, with offices in Guyana, Grenada, Saint Lucia, and Saint Vincent and the Grenadines. Premiums, policy changes and claims are handled in person at your local office.
- Years insuring Caribbean families
- 130+
- Countries with local offices
- 4
- Offices and agencies
- 16
- Regulated in Guyana
- Bank of Guyana (Insurance Supervision)
No shareholders.
Demerara Mutual is owned by its participating policyholders, who share in its surplus.
Claims
How to make a claim
Claims are handled at the office that holds your policy. Each claim type has a document checklist, so you know what to bring before you visit.
- 01
Tell us what happened
Call, message or visit your office, or contact your agent. We will tell you which claim applies.
- 02
Gather the documents
Each claim type has a short checklist and a form you can download and fill in.
- 03
Submit at your office
Bring or email the completed form and documents to your branch. We confirm receipt.
- 04
We assess and pay
We review the claim, ask for anything missing, and pay to the beneficiary or account on file.
About Demerara Mutual
A mutual, owned by the people it insures
Demerara Mutual has no shareholders. Participating policyholders own the Society, vote at the annual general meeting and share in its surplus. It was founded in Georgetown, Guyana, and has insured Caribbean families for over 130 years.
Offices in Guyana, Grenada, Saint Lucia, and Saint Vincent and the Grenadines
Our offices sell policies and most take premium payments. Life and health claims go to Head Office in Georgetown or the branch office in each Eastern Caribbean territory; motor and fire claims go to Demerara Fire & General.
ISO 9001 certified
Our quality management system is independently certified to ISO 9001.
Visit, call or message
Offices in Guyana
- head office
Head Office, Georgetown
Georgetown
61 & 62 Avenue of the Republic & Robb Street - agency
Clarke's Agency
Georgetown
61 & 62 Avenue of the Republic & Robb Street - agency
Blair's Agency
Georgetown
63 Avenue of the Republic & Robb Street - branch
Mahaicony Office
Mahaicony
Lot 2, Zeskenderen, Central MahaiconyEast Coast Demerara - branch
Linden Office
Linden
97/98 Republic Avenue, McKenzie - sales
Berbice Sales Office
New Amsterdam, Berbice
Lot 4 Wapping Lane - collection
Leonora Office
Leonora
4-6 Groenveldt, LeonoraWest Coast Demerara - collection
Essequibo Office
Suddie
A4 Suddie, Essequibo Coast - head office
Demerara Fire & General Head Office
Georgetown
91 & 92 Avenue of the Republic, Lacytown
Common questions
Questions about insurance in Guyana
Short answers on applying, paying premiums and claiming. Your policy document is the final word on what your plan covers.
All questionsHow do I apply for a policy?
Visit any Demerara Mutual office, speak to an agent, or request a callback and an agent will contact you. Each office's phone number is on the Offices page.
Do I need a medical examination?
Some plans require a medical examination, usually when the sum insured is high or you have an existing health condition. Your agent will tell you before you apply.
How do I pay my premiums?
You can pay at the counter of an office that takes payments, by bank transfer, or by salary deduction where your employer offers it. The Pay a premium page lists the options in your territory, including MMG and SurePay where they are available.
What happens if I miss a premium payment?
Your policy has a grace period after each due date. If you pay within it, your cover continues. If the premium stays unpaid after the grace period, the policy can lapse. Contact your office as soon as you know a payment will be late.
How do I make a claim?
Take the completed claim form, identification and the supporting documents for that claim type to a Demerara Mutual office, or email them to your branch. We confirm receipt and tell you if anything is missing.
Talk to an agent
Not sure which plan fits? Ask an agent in Guyana.
Tell us what you want to cover or save for. An agent from your local office will call you back to explain the options and the cost.
Request a callback