There are 3 main levels of insurance cover:-

Means that in the event of an accident that was your fault, ONLY the other people involved will get paid out by your insurance. TPO will cover you for any injury or even death caused to third parties, and also for legal costs. But you wont be covered for any fines that you may incur.
The benefit of TPO is that it means the cheapest premiums, however it's most likely that it'll be very costly if you need to make repairs to your own car.
If your car has a very cheap value then TPO may be a good option.

Similar to TPO cover but better, as you are covered in the event of a fire or if your car gets stolen. These premiums aren't as cheap as TPO, but still less than Comprehensive.

This level includes everything that is covered by Third Party, Fire and theft, but also included is vandalism and some other risks.
The main benefit of comprehensive insurance is that it covers the driver that was at fault so the repairs to their own vehicle should be paid out by the insurance company. Because of this it is usually the most expensive type of insurance. But if the car has a higher value then it is the best option. Depending on the value of the car many insurers will insist that comprehensive insurance is used. In fact a lot of insurers only offer a comrehensive level of cover.

  Comprehensive insurance still has its limits and there are still risks that may not be covered. When getting insurance always read the small print and find out exactly what you are and aren't covered for. It may be extremely costly later on when making a claim and finding out that you aren't actually covered for that risk.

Different Levels of Insurance Cover:

Third Party Only (TPO):

Third Party, Fire and Theft:



  Are the parts of a car that are added onto the car after it has been made, including luggage carriers, top boxes, and tank bags. Radios that have been fitted to the car are included as well.

  Is a detailed breakdown of your policy showing all details and information about what you have cover for.

  Is a formal request to the insurance company to recover any and all costs in the event of an accident. It must be made with all necessary documentation.

  Is a brief temorary notice of cover sent shortly after the insurance has started but is then replaced by the Cerificate of Insurance.

  Is an amount of the damage that you pay for before the insurance company pays for the rest.

  These are the events which the insurance company is not required to pay out for. Due to the terms and conditions of the insurance policy cover.

  Is a discount that you are given by an insurance company if you dont claim in that year, and can be saved up over a number of years helping to reduce the premium.

  This is the length of time that the insured will be covered by that particular policy.

  Is the annual fee you pay to be insured by a company.

  Is a car that has been damaged beyond repair as determind by the insurance company.

Defenition of Insurance Terms:


Certificate of Insurance:


Cover Note:



No Claims Discount:



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