Third-party, fire and theft, and comprehensive
Motor insurance products may be described by these common cover levels, but their precise scope depends on the insurer’s wording. Do not infer the cover level from a website illustration or price alone.
INSURANCE GUIDES / EXPLAINED
Comparing levels of motor insurance
Understand common labels without assuming every policy includes the same benefits.
THE SHORT VERSION
Understand common labels without assuming every policy includes the same benefits.
Read schedules alongside the wording
A policy may include endorsements or special conditions for the driver, vehicle, use or territory. Excesses and ancillary benefits such as breakdown support can vary. The actual documents govern.
Choose based on the risk
A lower price is not always better if it excludes your proposed activity or has an unsuitable excess. Ask for clarification where the cover level or an exclusion is unclear before paying.
GOOD TO KNOW
Common questions
Does comprehensive mean there are no exclusions?
No. Comprehensive policies still contain terms, limits and exclusions.
Is breakdown cover part of car insurance?
Not necessarily. Check the specific benefits.