Third-party cover
It covers your liability to others: damage you cause to their cars or property and injuries to them, within the policy limits. It does not cover damage to your own car.
Comprehensive cover
It adds protection for your own car against accident damage, and usually theft and fire, under the policy’s terms and exclusions.
How to choose
- Your car’s value and age
- Whether you could afford to repair or replace it
- Your daily use and the distances you drive
- If a bank financed the car, it may require comprehensive cover
Mind the details
- The excess: what you pay towards each claim
- Cover limits
- Exclusions
- Who is allowed to drive the car
Third party or comprehensive?
A general comparison to help you choose.
| Cover | Third party | Comprehensive |
|---|---|---|
| Damage you cause to other people’s cars and property | Included | Included |
| Injuries to other people | Included | Included |
| Damage to your own car in an accident | Not included | Included |
| Theft of your car | Not included | Included |
| Fire damage to your car | Not included | Included |
Your approved policy sets the actual cover, limits and exclusions.
This guide is general information and does not replace your policy terms or official instructions.