What is car insurance?

Car insurance is a policy that helps protect you financially if your vehicle is involved in an accident, stolen, damaged, or causes damage or injury to others.

If your vehicle is damaged, stolen, or involved in an accident, your car insurance can help cover the associated costs, reducing the financial burden on you. This can provide peace of mind and financial protection when the unexpected happens. With car insurance, you're prepared for the risks of the road while staying focused on the journey ahead.

Do i need car insurance?


Car insurance can help you:

  • The broadest level of cover, protecting your vehicle and third-party liabilities.

  • Covers damage you cause to others and provides protection against fire and theft of your vehicle.

Cover the rising cost of expenses

  • Covers damage or injury you cause to others but not damage to your own vehicle.

  • Depends on your vehicle's value, driving habits, budget, and coverage needs.

Car insurance FAQs

Frequently asked questions

What types of car insurance are available?

  • Comprehensive insurance – Covers your vehicle and third-party damages.
  • Third-party, fire and theft insurance – Covers third-party damage, theft, and fire.
  • Third-party only insurance – Covers damage or injury caused to others.
  • What does comprehensive car insurance cover?

  • Accident damage
  • Theft and hijacking
  • Fire damage
  • Storm and hail damage
  • Third-party liability
  • Damage to your vehicle (subject to policy terms)
  • What is an excess?

    An excess is the amount you may need to contribute towards a claim before your insurer pays the remaining covered amount, subject to your policy terms.

    Will my premium increase after a claim?/h4>

    Premiums may be reviewed after a claim and can be influenced by various factors, including claims history, vehicle type, and risk profile.

    Can someone else drive my insured vehicle?

    This depends on your policy terms and any listed drivers. Check your policy documentation for specific conditions.

    What should I do after an accident?

  • Ensure everyone's safety.
  • Contact emergency services if required.
  • Gather details from involved parties.
  • Take photographs if possible.
  • Notify your insurer as soon as possible.