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Home Help & Advice Getting on the road Different levels of car insurance cover

Different levels of car insurance cover

There are various levels of car insurance, offering greater of lower protection for correspondingly higher or lower prices. Choosing the right level of car insurance cover mainly depends on your vehicle and your budget.

Comprehensive motor insurance

Comprehensive motor insurance provides maximum protection for your vehicle. Comprehensive car insurance covers you against damage incurred in an accident, fire or natural causes.  It covers theft and criminal damage, and provides cover for third party vehicle damage or injury.

If you have a new car, or an expensive vehicle, then comprehensive car insurance is generally recommended. 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. It is therefore only recommended for older, less valuable vehicles on which there is not much outstanding debt.

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 third party insurance cover. 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.

Hollard offers a wide range of motor insurance in South Africa. A Hollard broker will help you decide which level of car insurance cover suits you.

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