Motor

Comprehensive

It gives the widest cover including that given by each of the two mentioned above. It gives indemnity in respect of:

• Accidental collision or over-turning
• Fire, self-ignition
• External explosion, lightening
• Burglary, housebreaking, theft
• Malicious damage
• Damage whilst in transit by rail, inland water-way, lift or elevator
• Damage whilst in transit by rail, inland water-way, lift or elevator

Reasonable cost of protection and towage when an accident occurs.

Third Party Fire & Theft 

As the name implies, this policy insures the vehicle itself against:

• Loss or damage caused by fire or theft in addition to the insured’s legal liability to third parties as indicated in 1 above Personal accident benefit to the insured and driver

Third Party

Covers the insured’s legal liability for injury to or death of third parties and damage to third party property such as vehicles, buildings, kiosks, traffic lights etc. It does not however extend to a passenger’s luggage, bags, wristwatches and other personal effects.