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Motor insurance

Motor insurance can be purchased for cars, motorbikes, trucks and other motor vehicles. It is mainly used to provide protection against losses that may result from motor accidents.

By purchasing auto insurance, the consumer may be protected against the following depending upon the type of cover on the policy

• The cost in repairing a vehicle following a motor accident
• The cost of buying a new vehicle if a vehicle is stolen or damaged beyond repair
• Legal liability claims against a driver or owner of the vehicle, where a third party is injured/damaged following an accident.

Liability insurance covers only the last point (shown above), while comprehensive insurance covers all three of the above.

Public policy

In some countries it is compulsory to purchase motor insurance before driving (on public roads). This is so that third parties are protected against loss, damage or injury caused by a vehicle. Usually, cover against loss of or damage to a driver's own vehicle is optional.

For more information on motor insurance companies click here.