There are four types of cover available and these are :

- Comprehensive

- Third Party Fire & Theft

- Third Party Only

- Road Act

Comprehensive motor insurance provides cover for accidental damages to your vehicle by either fire, theft & vandalism or an auto-crash. The policy will also compensate a third party in respect of property damage, death/ bodily injury in the event that you as an insured were in the wrong subject to policy limits as detailed in your policy document which must be read.

Third Party Fire & Theft (TPFT) policy covers loss of &/ or damage to your car by fire (excluding arson & vandalism) & theft. The policy will also compensates a third party in respect of property damage, death/ bodily injury in the event that you as an insured were in the wrong subject to policy limits as detailed in your policy document which must be read.

Third Party Only Cover (TPO) policy provides cover for any injury & damage you cause to other people (Third Parties) and/or their property.

The minimum cover you can get incompliance to the road act and whose limits are very low if compared to the other three above. The purpose is also to compensate third parties in respect of property damage as well as death and/or bodily injury they may suffer through the negligent use of your vehicle.

All motor private car policies are subject to a maximum period of 12months. This can be checked against your motor insurance certificates issued by our officers which will indicate the effective and expiry dates of the cover.