Motor insurance cover protects you against any liabilities in the event that the vehicle is involved in an accident, burnt or stolen. The driver and the owner of the vehicle are not covered unless they get a personal accident insurance.
There are two main types of motor vehicle insurance:
• Comprehensive - covers third party liability and damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle.
• Third party - covers third party bodily injury and property damage arising out of a vehicle accident. This is the minimum cover required by the Motor Insurance Act.