The main types of insurance policies available are:
i. Third-Party, which covers:
- Third-party injuries and fatalities
- Third-party property damage
ii. Third Party, Fire, and Theft, which covers:
- All the above, and
- Fire damage to, or theft of, your vehicle
iii. Comprehensive, which covers:
- All the above, and
- Accidental damage to your vehicle
- Vehicle windscreen damage
- Damage from riots, strikes, and civil commotions
- Personal accidents and medical expenses (for private cars only)
There are options for comprehensive policies which offer wider coverage in the following areas:
- Damage caused by floods and windstorms
- Liability of passengers for acts of negligence
- Personal accident benefits for passengers
- Additional excess
- No-Claim Discount protection (for private cars only)
Motorists are required by law to have a motor insurance policy that covers third-party injuries.
