Frequently Asked Questions

What are the differences in insurance cover types?

1. Third Party Only cover – This is the most basic insurance and covers your liability for death or bodily injury to a third party (including other occupants of your vehicle) and your liability for damage to third party property
2. Third Party Fire and Theft cover – This covers third party risks as described above plus the risk of fire and theft in connection with your vehicle in accordance with relevant policy terms. Some insurers will provide cover for the contents and the audio equipment of the vehicle, details will be provided with your on-line quotation
3. Comprehensive cover – This includes the Third Party Fire and Theft cover, as well as loss of or damage to your vehicle caused by accidental or malicious damage. Comprehensive cover usually includes some personal accident benefit in respect of personal injury to you or your death (please refer to your policy terms for details). Theft cover for the contents of your vehicle is provided by most insurers but only to a specified amount and subject to policy terms. Details will be shown with your on-line quotation