There are basically 3 types of car insurance available in today’s market:
Third party only(TPO) – This is the most basic insurance cover you can get, it provides the following:
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Liability cover for Third Parties (Injuries to Third Parties and Damage to Third Party Property).
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Liability cover for Passengers (For the damage they cause, as a Third Party) Emergency Treatment
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Legal Expenses
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Liability cover for Trailers
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Foreign Travel Cover
Third party Fire & Theft (TPFT) – This is the same as above with the following extras:
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Cover for Fire, Lightning, Explosion, Theft, Attempted Theft, Taking without consent.
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Cover for Accessories, fitted onto the car, or, stored in the garage.
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Delivery after repair
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Storage
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Towing
Fully Comprehensive (also known as Comp) – This form of cover includes all of the benefits above and the following:
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Cover for Storm, Flood, Vandalism, Malicious Damage, Accidental Damage
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Variable Excesses dependent on choice and/or age of driver
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Medical Expenses Cover *
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Personal Effects Cover *
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Death or Injury Cover *
*Insurers Terms & Conditions Apply





