1Third-party cover
Third-party insurance addresses legal liability to others according to policy and law. It does not normally pay for damage to your own vehicle.
2Own-damage cover
Own-damage protection covers specified damage to the insured vehicle, subject to exclusions, deductibles and policy conditions.
3Comprehensive policy
A comprehensive arrangement combines third-party and own-damage components, often with optional add-ons.
4Understand add-ons
Zero-depreciation, roadside assistance, engine protection and return-to-invoice add-ons solve specific risks. Buy only those relevant to the vehicle and use.
5Review claim conditions
Read deductibles, depreciation rules, exclusions, network garages and required claim steps. Preserve photos and documents after an incident.
Practical checklist
- Confirm policy type
- Read deductibles
- Check add-on usefulness
- Verify personal details
- Save policy and claim contacts
Frequently asked questions
Does third-party insurance repair my car?
Normally no; it primarily covers liability to third parties.
Is zero-depreciation always necessary?
Its value depends on vehicle age, premium and risk preference.
Should I choose only the cheapest premium?
Compare coverage, exclusions and service, not price alone.
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