This insurance provides cover to a private motor car which is used solely for: Social, domestic and pleasure purposes and for own business and profession. The various scopes of cover available are as follows:

  1.  Basic RTA (Road Traffic Act) cover compensation for third-party injury or death in a traffic accident, caused by a fully licensed driver. It does not provide for property damage, which means if there is an accident and you happen to damage someone’s property, the cost must be paid from your own pocket It is the minimum legal requirement.
  2. Full third-party cover will pay third-party injury, death and for property damage. This means it covers more the basic RTA cover. However, note that the cover is always for a limited amount and it may cost extra to increase the limits covered.
  3. Third-party fire and theft cover; in addition to the third party cover, will provide financial compensation if your car is destroyed by fire or stolen. But it will not cover loss to the owner cause in an accident (e.g. if the vehicle is dented by another car). It is limited to loss by fire and theft.
  4. Full Comprehensive cover: This cover all of the above, but include damage to the owners vehicle, except for some exclusions such as when driven by an unlicensed driver, that would not be covered.
By Insurance Solutions