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Understanding car insurance

To get the right car insurance policy and at the right price, you need to have a good understanding of how car insurance works. By doing this, it gives you an insight in to choosing a policy that gives you adequate cover for your money.

Car insurance is more than just fully comprehensive or third party, fire and theft only policies. Depending on which type of cover you choose, you will get additional benefits automatically. Here we will review these briefly now, as well as explain the basic cover:

• Third party only. This provides cover where you damage someone else’s property. Your own vehicle is not covered by the insurance.

• Third party, fire & theft. If your car is damaged by fire, theft or by someone else’s vehicle, then your vehicle is covered.

• Comprehensive. This provides cover to your car, regardless of who is to blame. Cover includes malicious damage, accidental damage and natural disasters as well as fire and theft. You also get liability cover (see below).

• Liability. This is made up of two elements – property damage and bodily injury. Should you cause damage and/or injuries to another motorist in a road traffic accident, you will be covered.

• Medical. If you sustain any injuries in a car accident, regardless of who was at fault in the accident, medical cover will cover the costs, such as lost wages etc

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