Covers are available for the following categories of vehicles;
These will include Saloons, Station wagons, Estates, and the large Four Wheel Drives (4X4). The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
These will range from small half ton pick ups to the large monster trucks on the roads.
They will also include:
Used for the insured’ business only
These will include agricultural type vehicles of tractors, combine harvesters, construction vehicles of graders and shovels, to emergency response vehicles of ambulances, fire tenders etc.
For each category of vehicle, three types of covers can be purchased;
This is the basic and minimum cover available. It provides for liability to third parties only in respect of bodily injury and damage to third party property. It is the mandatory cover that a motorist should have.
In addition to the TPO cover above, this cover extends cover the insured’s vehicle against the risks of fire and theft, including partial theft.
This is a superior cover to all the others as in addition to TPF&T, it extends to cover any other accidental damage to the vehicles including collision, overturning, effects of floods, Earthquakes etc.