Help Desk

Find the type of car covers

It can be a daunting task, making sure you receive the right coverage for you and your car. There are three types of car insurance to choose from - comprehensive, third party fire and theft, and third party only.

Comprehensive coverage does what it says, providing calm no matter your troubles. Whether or not you are at fault, your car is protected against damage, fire, and theft. So your attention can be focused on more pressing matters. Peace of mind costs a bit more upfront, but can save you a bundle on the long road. Most companies require this level of coverage if your car is worth more than a set limit.

Third party fire and theft gives you security if your car is stolen or is damaged by fire, but doesn't protect your car if you cause an accident.

Third party only covers any damage done to other people's property and bodily injury, but repairs to your own car are out of pocket. All motorists must carry third party insurance as a minimum requirement on their vehicles.

For those that need a little extra, there are add-ons like legal protection and breakdown coverage.

How to save cost of car insurance

Several factors influence the cost of car insurance policies. Youth means inexperience in the motoring world, and can be a disadvantage whilst searching for inexpensive coverage. On the other hand, people over age 25 will often find that their car insurance premiums decrease greatly from their younger driving days.  

If you have a clean driving record with no claims, this can also lower your insurance costs. Every year you are accident-free provides a "no-claims bonus" which can lead to a hefty discount.