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 a motor accident. It doesn't cover any costs incurred by the insured 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.
This provides the same cover as third party only and also insures you should your vehicle be damaged by fire or stolen.
This provides the same cover as third party fire and theft. However, it also covers the insured and his vehicle 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
- Roadside assistance service
- Vehicle repairs in case of breakdown
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