Motor insurance and car driver insurance are used interchangeably and have the same meaning. Anyone who drives a car must have their car insured; motorists are legally obliged to have at least third-party cover under the Road Traffic Act, 1961. Standard motor insurance will protect you as a motorist against liability in the event of an accident. The amount of insurance cover which you get on your vehicle is up to you. Figuring out which level of cover suits you can be confusing, but we are here to provide you with a quick rundown of our policy types) so you can decide which is best for you.
Third Party Cover is the minimum cover which you are required to have by law
This type of cover protects drivers against liability in the event that they injure a third party, including passengers, or cause damage to their property. However, third party insurance will not cover the cost of repairs to your own vehicle and will not cover your vehicle in the case that it is stolen or damaged by fire. Third Party Only Insiramce can cost less, but this is due to the policy being more limited than other policies.
Third Party Fire & Theft
Third Party Fire & Theft ensures that you have Third Party with the addition of cover for your own car in the event of a fire or theft.
Comprehensive Car insurance is our most complete level of insurance cover
This level of cover will provide Third Party protection while also covering you against damage to your own vehicle, even if you are at fault. Comprehensive car insurance also comes with various optional extras, including windscreen cover free of charge.
Terms and conditions may vary from one policy to another, so always make sure to read your insurance documents to ensure you know what you are covered against. Here at AXA we understand that everyone has different insurance needs and we will help find the quote which best fits your needs. It’s important to us that our customers can find the perfect balance between value for money and security in the cover they receive