There are three covers under the motor insurance: Third Party only (compulsory), Third Party Fire & Theft, and Comprehensive. Third Party Only – covers death or bodily injuries and property damage. The policy indemnifies the owner and any permitted driver in respect of their legal liability to third parties for death and bodily injury, as well as, damage to their property. This is what is provided by the Motor Vehicles (Third Party Insurance Act, 1958.

Third Party, Fire and Theft. In addition to the Third-party cover described above this policy covers the owner’s vehicle against the risks of fire and theft.

Comprehensive. The comprehensive policy covers all the risks described above, in addition to accidental damage to the owner’s vehicle including the convulsion of nature or Acts of God.