Ronald Domacassé provides expert advice and brokerage services for insurance, mortgages, and pension solutions across Aruba, Bonaire, Curaçao, and St. Maarten. Self-insure right away Free consultation Welcome, Bonbini Your Personal Advisor for Insurance, Mortgages, and Pensions across the Dutch Caribbean. We provide expert, personalised advice on insurance, mortgages and pension planning. With years of experience and in-depth knowledge of the local market, we offer tailored solutions to meet your personal and business needs. Whether you want to protect your assets, finance your home or build a secure financial future, we are here to guide you in making the right decisions. Have questions or need personal advise? Contact us via WhatsApp or simply fill out our contact form . We are happy to assist you and help you find the right solution. AUTO TRAVEL HOME HEALTH If you would like more information about our products and services, please contact us today. Contact Free consultation Blogs & News What If Your Rental Property Can No Longer Be Rented Out? For many property owners, a rental property is more than just real estate. It is a valuable investment and often an important source of income. Whether you rent your property short-term through Airbnb or another vacation rental platform, or long-term to a tenant or expatriate, an unexpected event can have significant financial consequences. A fire, storm, water damage, or another unforeseen incident may make your property temporarily uninhabitable or unavailable for rent. In Ronald Domacassé 2 min read Which Insurance Policies Do You Need When Buying, Building, or Renovating a Home? Buying, building, or renovating a home is a significant milestone. If you are financing your property with a mortgage, your lender may require you to obtain certain insurance policies. These policies not only protect your home but also provide financial security for you and your family. Insurance Policies Commonly Required for a Mortgage Mortgage Protection Life Insurance Provides financial security for your beneficiaries by helping to cover all or part of the outstanding mor Ronald Domacassé 1 min read Living in the Caribbean: Curaçao, Aruba or Sint Maarten – Your Next Step Toward Property Ownership Dreaming of living or investing under the Caribbean sun? Owning a home in Curaçao, Aruba, or Sint Maarten is no longer just a dream for many people—it is an achievable next step. With the right financing and guidance, purchasing property in the Caribbean becomes clear, structured, and within reach. Explore Your Opportunities by Island Curaçao – stable and versatile Curaçao offers a solid and diverse real estate market. From modern apartments in Willemstad to spacious homes in Ronald Domacassé 2 min read

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. What is insured? Life insurance pays out an amount in the event of your death. This could be the amount you owe a lender, for example for the mortgage on your home or the loan for your car. You can also insure yourself against the financial consequences if you have your own business and die. In addition, the insurance is often taken out for life to pay for a funeral. Which insurance is right for me? The term life insurance comes in various forms that offer the perfect solution for different situations. Which insurance is best and in what form depends on the cover you want. Duration of the insurance Guardian Group's death insurance can be taken out for a lifetime. The insured amount will be paid out upon your death. You can also opt for term life insurance. This insurance pays out the insured amount if you die before the end date of the insurance. Insured amount You determine the amount of the insured amount that will be paid out in the event of your death. The amount can remain the same during the term or decrease during the term. Cover extra risk There are numerous situations where the ability to pay the premium for your term life insurance is compromised. Incapacity for work and sudden unemployment are the two most obvious reasons.

Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Car Insurance Drive with peace of mind Accidents can happen when you least expect them. With car insurance from Guardian Group, you are well protected against unexpected events on the road. Whether you choose the legally required Third-Party Liability (TPL) coverage or comprehensive insurance, you can drive with confidence. Choose the car insurance that suits you Third-Party Liability (TPL) Third-Party Liability insurance is legally required and covers damage you cause with your vehicle to other people or third-party property. TPL Plus Suitable for cars that are too old for comprehensive coverage but require more protection than TPL alone. In addition to TPL coverage, you are covered for events such as theft or attempted theft, fire and explosion. Roadside assistance is also included. TPL + Comprehensive (All Risk) The most extensive coverage. In addition to everything covered under TPL and TPL Plus, you are also insured against damage to your own vehicle, for example as a result of a collision, storm, vandalism, theft, fire or explosion. Roadside assistance is also included. Additional benefits New Value Protection For cars up to 3 years old, Guardian Group offers an attractive New Value Protection benefit. If your car is declared a total loss, you will receive the new value of your vehicle. With comprehensive insurance, you also benefit from: No deductible for covered comprehensive claims. Protection of your no-claim discount if you are hit by an uninsured driver or involved in a hit-and-run accident. Personal Accident Insurance for Occupants (PAO) An accident can cause more than just damage to your vehicle. With Personal Accident Insurance for Occupants, the driver and passengers are insured, up to the insured amount, in the event of permanent disability or death resulting from a traffic accident. Special benefits for drivers aged 50+ Are you 50 or older? You can benefit from attractive car insurance with additional advantages, including: Comprehensive coverage at a competitive premium. Faster accumulation of your no-claim discount when driving claim-free. No-claim protection when you have built up a high discount. No deductible for comprehensive claims. Roadside assistance. Motorcycle Insurance Guardian Group also provides insurance for two-wheelers and other special vehicles. We insure, among others: Motor scooters Motorcycles Trikes Quads Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

Ronald Domacassé, expert bij Guardian Group, adviseert en bemiddelt op het gebied van verzekeringen, pensioenen en hypotheken. Of sluit zelf online uw verzekering af in 3 minuten. Pensions What’s insured? Guardian Group pension insurance is a savings plan for life. You design your own pension plan. A pension plan that meets your needs, and provides an extra income to enjoy a comfortable retirement. Remember the sooner you start, the more you can save towards your retirement. So it makes sense not to wait too long. A number of options are available for structuring your pension plan. Pension insurance with Guardian Group is always flexible, and can be tailored to your individual situation. For example, you can opt to build up a fixed, lifelong pension for your retirement. In this case, you decide your future pension at the start of the pension plan. Guardian Group will then work out how much money you need to save, every month. Or, you can start building your pension capital on the basis of how much money you can set aside now. At the retirement date, you can use the capital you have saved to purchase a lifelong pension. In this case, Guardian Group will calculate your pension benefit on the basis of the capital you have saved. This form of pension building is known as a defined contribution (DC) plan and has become popular in recent years. Did you already save your retirement in the past? If you wish, we can transfer previously earned pension rights to your new pension plan. Death benefit If you are married, or if you have a registered partner and /or children, it is important to make sure they are not left empty-handed should you die before the pension date. A surviving dependents and/or orphans pension can be included as part of your pension plan. Occupational disability If you become fully disabled for work, you will not be able to perform paid work, and likely lose your job. To assure that your pension plan continues, you can include a provision in your pension plan that covers you for exemption of premium payments if you become disabled for work. Guardian Group will then pick up the tab and pay the premiums until your pension date. That way, you have the assurance of protecting your life savings until the day you retire. Disability benefits In addition, you can include a disability pension in your pension plan. This is a supplementary insurance that secures you of a fixed income from the day you are permanently disabled, until the pension date. Pension insurance – something for me? Pension insurance is for everyone who believes they will need an extra income to supplement the government old age pension (AOV). Specifically, this group includes people who are in paid employment, but are not enrolled in a pension plan via their employer. A pension plan can be seen as a savings plan that lets you save for your retirement on very attractive terms. The advantage of a pension plan, as opposed to putting money in the bank, is that your pension premiums are (partly) tax deductible. In other words, you’re not only getting a good rate of return and a chance to earn a profit share; you also get a tax break. And that’s something your bank account can’t match! Do you want to know everything about pension insurance? Contact us for more information. >> Pension insurance via employer ?

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. FAQ's Guardian Group Bank Details At Guardian Group Fatum you can also easily pay your premium via the bank. Just don't forget to state your policy number with your name when paying so that we can find out on which policy we have to pay the amount. Read more on the Guardian Group main page Kan ik online een verzekering afsluiten? Ja, u kunt eenvoudig en veilig online een verzekering afsluiten via Ronald Domacassé. Wanneer u een verzekering via Ronald Domacassé afsluit, profiteert u van het gemak van online dienstverlening in combinatie met persoonlijk advies. Ronald wordt uw vaste verzekeringsadviseur en ondersteunt u bij het maken van de juiste keuze, afgestemd op uw persoonlijke of zakelijke situatie. U kunt online terecht voor onder andere een autoverzekering, woonhuisverzekering, inboedelverzekering, reisverzekering, constructieverzekering, ongevallenverzekering en aansprakelijkheidsverzekering. Daarnaast kunt u rekenen op deskundige begeleiding bij vragen, poliswijzigingen en schadeclaims. Zo heeft u altijd een vast aanspreekpunt voor al uw verzekeringszaken. Kunt u de verzekering die u zoekt niet online vinden? Neem dan gerust contact met ons op. Wij helpen u graag bij het vinden van een passende verzekeringsoplossing en voorzien u van persoonlijk advies. Wilt u online een verzekering afsluiten of een vrijblijvende offerte aanvragen? Ronald Domacassé helpt u graag verder. Disclaimer Although care is taken in writing the content of this website, it is possible that certain information is outdated or no longer correct over time. No rights can be derived from this website. The conditions of the products can be found in the general and product policy conditions that you can request.

Get your insurance in 3 minutes. The Guardian Group portal is fast, easy, convenient and reliable... Easily purchase your insurance online Would you like to purchase your insurance online? It’s quick and easy! Simply choose your preferred location below and click the button to get insured for: Aruba, Bonaire, Curaçao, or St. Maarten. Manage everything in just a few clicks, whenever it suits you. Please note: not all insurance options are available online. If you cannot find the coverage you’re looking for, feel free to contact us for personalized assistance. ARUBA BONAIRE CURACAO ST. MAARTEN Insured according to your situation When taking out an insurance, there are several options. First of all it is important to determine exactly what you want to be insured for. Many insurance policies have various options in terms of coverage, thus it is crucial to determine which insurance best suits your personal situation. Personal contact Fortunately you are not alone in this. Ronald Domacasse is your Guardian Group Expert and is happy to help you. As your personal advisor he will help you make the right choices regarding taking out insurance. With his years of experience he is capable of not only helping you take out the insurance, but also adjusting the insurance if your situation has changed or if you want to file a claim. Accessible and reliable Your personal Guardian Group Expert is always there for you and easily accessible in case you need help. This can be offline but also online. There are various options by telephone to schedule an appointment and to be advised. It is even possible to take out insurance online with your Guardian Expert. Quick, easy and reliable!

Ronald Domacassé is an Insurance and Mortgage Advisor with over 25 years of experience, providing expert guidance on insurance, pension solutions, and mortgage financing across the Dutch Caribbean. About me My name is Ronald Domacassé. Since 1999, I have been active in the insurance industry, building extensive experience in insurance, mortgage financing, and financial services. Since 2008, I have been affiliated with Guardian Group, where I assist individuals and businesses across Aruba, Bonaire, Curaçao, and St. Maarten. My expertise includes property and casualty insurance, health insurance, pension solutions, and mortgage financing. I help clients protect what matters most, manage financial risks, and achieve their personal and business goals through tailored solutions and professional guidance. Throughout my career, I have supported families, professionals, entrepreneurs, and companies in making important financial decisions. My approach is based on professionalism, integrity, personal attention, and a commitment to delivering practical and effective solutions. In addition to my advisory role, I conduct presentations and contribute to initiatives within the financial services sector. I am also involved in projects that promote financial awareness, long-term security, and sustainable growth. My goal is simple: to provide clients with trusted advice, personalized guidance, and financial solutions that help them make informed decisions with confidence and peace of mind.

Take out travel insurance online or contact for advice. We represent Guardian Group Dutch Caribbean (Curacao, Bonaire, Aruba and St. Maarten). Travel Insurance Travel with peace of mind With Guardian Group travel insurance, you are fully protected worldwide during your holiday or business trip. Whether you are planning a short city break or a longer journey, you benefit from comprehensive coverage against unexpected events. This allows you to travel with complete peace of mind. Choose the travel insurance that suits you Short-term travel insurance - Ideal for a single holiday or business trip. Multi-trip travel insurance - The best choice if you travel several times per year. Multi-trip travel insurance business - specially designed for business owners and employees who travel regularly for work. What is covered? Depending on the selected coverage, you are insured for, among other things: Emergency medical expenses due to illness or accident Travel baggage Emergency dental treatment Personal accident coverage Damage to your accommodation Children covered Children up to 4 years old are covered free of charge Children aged 4 to 16 benefit from a reduced premium Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Personalized coverage for medical expenses. There's no escaping it: we can all fall ill from time to time. Being incapacitated by an illness not only brings inconvenience, medical bills add up fast, even more so if the condition or illness is long-term or chronic. To make sure you receive good medical care without experiencing financial hardship, Guardian Group has compiled the perfect medical coverage for you. What is insured? The costs of a treatment of illnesses or disorders are covered by our health insurance. Hospitalization and treatment Specialist treatment Family doctor and medication Additional costs (laboratory, X-ray, etc.) Dental treatment, eyeglasses and contact lenses Are you insured for medical expenses with the SVB? Then we have an additional package for you so that you are extensively insured for medical expenses. You can choose from Supplementary Mediflex Deluxe or Premium Dental costs Glasses / contact lenses Paramedic care: additional number of treatments over and above what the SVB covers Cover abroad: in addition to your SVB cover. If you unexpectedly need medical assistance during an accident or a non-existing illness during a stay abroad, you are also covered Preventive you can do a medical check-up abroad every 3 years Extra home care days after delivery Extra costs for branded drugs Get a Quote | Contact us

Protection of your business interests and against interruptions in the event of damage. Construction All Risks (CAR) Insurance Construction projects create opportunities, but they also involve risks. A minor error, delay, or unexpected loss can have significant financial consequences for your project. With Construction All Risks (CAR) Insurance, you are protected against the key risks that may arise during the construction phase. While you focus on building your client’s success, we provide the security behind the scenes. What is Covered? CAR Insurance covers physical loss or damage to the works during the construction, building, renovation, or refurbishment period. Theft of construction materials from the construction site is also covered during the policy period. Who is Insured? All parties involved in the construction project can be insured, including: Project owners Contractors and subcontractors Installers Architects and consultants Other parties contractually involved in the project The Works The insured works include physical loss or damage occurring during the construction period, including: Damage to the works themselves Theft of construction materials from the construction site Materials located on the premises for which the policyholder bears the responsibility and risk Costs for temporary supporting structures and temporary works, including erection and removal Construction Equipment and Temporary Facilities Essential construction equipment and temporary facilities can also be insured, including tools, machinery, site cabins, sheds, and scaffolding. These are covered against loss, damage, and theft, provided they are located at the construction site and fall under the responsibility and risk of the policyholder. Existing Property of the Project Owner The policy can cover damage occurring during the construction work to existing property belonging to the project owner, such as buildings and contents already present at the site. Liability — Secondary Coverage In addition to cover for physical loss or damage, CAR Insurance also provides secondary liability coverage for legal liability arising from damage to third parties caused by the construction activities at the project site. Maintenance Period Following completion and handover of the project, the coverage can be extended to include a maintenance period. This period begins after completion of the works and can be aligned with the terms and conditions specified in the project specifications or construction contract. During the maintenance period, you remain insured against damage related to the completed works, subject to the terms, conditions, exclusions, and limits of the policy.