There are three types of motor insurance available:
- Third Party: This is the most basic level of insurance. If you have an accident with another vehicle, and it is found to be your fault, the other vehicle would be covered, but not your own. Damage to your vehicle would have to be paid for by you. Compensation for injury or death of passengers travelling in either vehicle is also covered.
- Third Party Fire and Theft: This policy includes all cover provided above, it also covers damage to your vehicle in the event of a fire, theft or attempted theft. You may need to pay for part of your own vehicle damage by way of the applicable policy excess.
- Comprehensive: The most extensive cover. It includes all cover provided above plus further protection. If you have an accident that leaves your vehicle damaged, you will be covered for the cost of repair, including the windscreen, even if you’re at fault. As above, the applicable policy excess may apply.
