Who is covered under Third Party Motor Insurance Policy

Third Party Motor Insurance also referred to as ‘act only’ is the least level of cover mandatory requirement by government before you are allowed to drive a car on public roads.

This cover does not protect your car, instead, it protects you financially, when you accidentally damage someone else’s property or end up them bodily injuries while driving.

Third party policy covers the following:

• Death/injury liability coverage. Your insurer pays the cost of damages that you may have caused to the third party in terms of body injuries or death.

This includes; seeking medical attention and funeral expenses.

• Property damage liability coverage. Your insurer pays the cost of damages that you may have caused while driving.  This includes; car repairs, buildings or houses, fences repairs.

Third Party insurance doesn’t cover the following:

• the cost of damages to your car.
• It doesn’t cover you financially, when your car is stolen, vandalized or damaged by natural disasters.
• It also doesn’t cover damages caused by you under the influence of drugs and alcohol abuse.
• When you stage an accident, the insurer won’t cover you.

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