Car Insurance
Types of insurance cover
Third party only
This cover is the legal requirement. This level of cover ensures that compensation is available in respect of injury to other people (including your passengers) or damage to other peoples' property resulting from an accident caused by you. It doesn't cover any costs incurred by you as the result of an accident.
Most insurance companies offer additional levels of insurance cover that go beyond the legal requirement. The precise nature of cover will vary from company to company.
Third party fire and theft
This provides the same cover as third party only and also insures you should your vehicle be damaged by fire or stolen.
Comprehensive
This provides the same cover as third party fire and theft. However, it also covers you should your vehicle be damaged in an accident. Many additions to this level of cover are available from insurance companies including:
* providing a courtesy car while your car is being repaired
* legal expenses insurance to recover your uninsured losses (such as your excess)
* roadside recovery schemes
* vehicle repairs in case of breakdown
