Motor insurance is an important part of responsible vehicle ownership. It can help address third-party liabilities and protect your vehicle against specified damage, subject to the policy terms.
Third-party cover addresses eligible legal liability arising from injury, death or property damage to a third party. Own-damage cover may protect the insured vehicle against events such as accidents, theft, fire or natural events when included.
Check the insured declared value, deductibles, add-on covers, no-claim bonus, network garages, exclusions and the effect of depreciation. Do not select add-ons without understanding the situation each one is designed to cover.
After an incident, prioritise safety, inform the insurer promptly, document the scene where appropriate, and follow the insurer's claim process. Keep registration, licence, policy and repair documents available.