Different levels of car insurance cover

There are various levels of car insurance, offering greater or lower protection for correspondingly higher or lower prices.

Comprehensive motor insurance

Comprehensive motor insurance provides maximum protection for your vehicle. Comprehensive car insurance covers you against accidental damage to your vehicle.B It also covers theft and criminal damage, and provides cover for third party vehicle damage or injury. If you are financing a new car, comprehensive insurance may be mandatory.


Third party, fire and theft insurance

This level of cover is more affordable than comprehensive insurance, while still providing cover against theft and hijacking as well as damage caused by fire. Third party cover also protects you from paying for damage caused to a third party in the event of a motor accident, however the cover for damage to your own vehicle is very limited.


Third party insurance

Third party insurance does not cover your vehicle for loss or damage. Third party insurance covers accidental damage caused to a third party vehicle. It also covers injury or death to third parties involved in the accident. Becoming involved in a motor accident can leave you with very high potential liability. For this reason, it is extremely important to, at a minimum, have valid third party insurance cover. It is also a regulatory requirement for all vehicles to have third party insurance before going on a public road in Zimbabwe.


 

 

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