Comprehensive vd 3rd Party vs 3rd Party Fire & theft

Car insurance brings reassurance. It's also a legal requirement under the Road Traffic Act.

Without a car insurance, you are not able to apply for road tax. If you are caught without road tax, you'll get a heavy fine on your licenve and it will be very difficult to get insured in the future. Not to mention a court order to pay damages that could hang over you for years!

You have legal liabilities to other road users, pedestrians, passengers and people whose property is damaged in an accident. These 'third party' liabilities from basis of the legal minimum insurance

Comprehensive Cover

• Covers damage to your own vehicle due to accident
• Covers loss / damage to own vehicle due to Fire or Theft
• Covers Third Party Liability for injury, death or property loss / damage

Third Party, Fire & Theft Cover

• Covers loss / damage to own vehicle due to Fire or Theft
• Covers Third Party Liability for injury, death or property loss / damage

Third Party Cover

•  Covers Third Party Liability for injury, death or property loss / damage

Your standard motor insurance policy does not cover:

1. Your own death or bodily injury
2.  Your liability against claims from your passengers
3. Theft of non-factory fitted vehicle accessories (car stereos, leather seats, sports rims etc) unless otherwise declared
4. Consequential loss, depreciation, wear and tear, mechanical or technical breakdown failures or breakages
5. Loss / damage arising from an act of nature (ex: flood, landslide)

Howewer, you may pay additional premium to cover some of the above exclusions, ex: floods or your liability against claims from your passengers. Windscreen and vehicle accessories covers are also useful extensions to consider preserving your Non-Claim-Discount (NCD) in the event of loss/damage. You can check for other exclusions and extension covers available with us.