All you want to know about... MOTOR INSURANCE
| TYPES OF MOTOR INSURANCE COVERAGE | |||
|
COVER |
TYPES OF COVERAGE |
||
| THIRD PARTY COVER | THIRD PARTY, FIRE & THEFT COVER | COMPREHENSIVE COVER | |
Liabilities
to third party for:
|
YES | YES | YES |
| Loss/damage to own vehicle due to accidental fire/theft | NO | YES | YES |
| Loss/damage to own vehicle due to accident | NO | NO | YES |
| Liabilities to driver & passengers of own vehicle (property, bodily injury, death) | NO | NO | NO |
EXCLUSIONS
Your standard motor insurance policy DOES NOT cover:
-
Your own death or bodily injury;
-
Your liability against claims from your passengers;
-
Theft of non-factory fitted vehicle accessories (car stereos, leather seats, sports rim, etc.) unless otherwise declared;
-
Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; and
-
Loss/damage arising from an act of nature, e.g. flood, landslide.
However, you may pay additional premiums to cover some of the above exclusions e.g. flood or your liability against claims from your passengers. Windscreen and vehicle accessories covers are also useful extensions to consider for preserving your No Claim Discount (NCD) in the event of a loss/damage.
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