Car Insurance Cover Types Explained

Car Insurance Cover Types Explained

Comprehensive Insurance:

This type of car insurance cover is for incidents that are unrelated to accidents that may affect the car, such as weather damage, theft or hijacking. This type of cover provides the most extensive cover and it also the most expensive type of cover. It is often highly recommended for drivers of new vehicles. 

By getting comprehensive cover you are able to get cover for damage caused to your car by hail, floods, fire as well as by accidents.

Third Party, Fire and Theft insurance:

If you are looking for a slightly cheaper insurance, this cover may be ideal for you. It is similar to comprehensive cover but it does not provide cover for accidental damage to your vehicle.

You will also be covered for any damage you cause to the vehicle of a third party. You will be covered for theft, hijacking, fire and accidents.

Third Party Only insurance:

This type of insurance provides cover for any damage you may have caused to someone else’s vehicle (third party).

You are covered for the costs associated with the accidental death or injury of third parties involved in the same accident. This is the cheapest insurance type and may be ideal if your vehicle is paid off and the replacement value is not too high.

Some insurance companies may include additional benefits like roadside assistance or medical assistance, car hire, towing and storage.

The value of your vehicle determines your premiums and excess.

Factors used when determining your car insurance cover type:

  • The make and model of your vehicle
  • The age and condition of your vehicle and it replacement value
  • Where you live and where your car is parked overnight and during the day
  • What your car is used for
  • Your age
  • How long you have been driving for


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