- Act only: minimum amount of insurance protection required by law and simply covers the driver should an accident occur.
- Third Party: This kind of insurance covers the insured while driving and also protects the car when it is on private property. Usually there is some form of protection against mistakes made by passengers in the car and any legal costs are also covered.
- Third Party Fire and Theft: This form of policy covers all of the above but also includes protection for loss or damage to the vehicle occurring because of fire, and attempted or actual theft.
- Comprehensive: This is the broadest form of insurance, and includes all the protection from the above as well as accidental damage to the car. If the car becomes damaged the insured is entitled to have the car repaired or replaced. Comprehensive insurance also ensures that if a serious accident occurs and serious injuries are sustained, payments will be made.
