A brief overview of why you need insurance as a driver, the different types of insurance and general tips on getting cheaper insurance.

There are basically 3 types of car insurance available in today’s market:

Third party only(TPO) – This is the most basic insurance cover you can get, it provides the following:

• Liability cover for Third Parties (Injuries to Third Parties and Damage to Third Party Property).
• Liability cover for Passengers (For the damage they cause, as a Third Party)
• Emergency Treatment
• Legal Expenses
• Liability cover for Trailers
• Foreign Travel Cover

Third party Fire & Theft (TPFT) – This is the same as above with the following extras:

• Cover for Fire, Lightning, Explosion, Theft, Attempted Theft, Taking without consent.
• Cover for Accessories, fitted onto the car, or, stored in the garage.
• Delivery after repair
• Storage
• Towing

Fully Comprehensive (also known as Comp) – This form of cover includes all of the benefits above and the following:

• Cover for Storm, Flood, Vandalism, Malicious Damage, Accidental Damage
• Variable Excesses dependent on choice and/or age of driver
• Medical Expenses Cover *
• Personal Effects Cover *
• Death or Injury Cover *

*Insurers Terms & Conditions Apply