Third-Party Liability
Protection for covered legal liability toward third parties, subject to applicable law and policy terms.
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What insurance cover are you looking for?
Coverage is chosen after the vehicle and its use. These are three different structures, not three grades of the same product.
Own Damage
Protection for covered loss or damage to the insured vehicle, subject to policy terms, exclusions, deductibles and applicable limits.
Learn moreComprehensive / Package
A policy structure that generally combines Third-Party Liability and Own Damage protection, subject to the specific policy wording.
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Compare
How the three structures compare
Only aspects supported by approved coverage content are listed.
Third-Party Liability
Protection for covered legal liability toward third parties, subject to applicable law and policy terms.
- Covered legal liability toward third parties
- Generally
- Covered loss or damage to the insured vehicle
- No
- Optional add-ons may be available
- No
- Governed by the policy wording and applicable law
- Generally
Own Damage
Protection for covered loss or damage to the insured vehicle, subject to policy terms, exclusions, deductibles and applicable limits.
- Covered legal liability toward third parties
- No
- Covered loss or damage to the insured vehicle
- Generally
- Optional add-ons may be available
- Sometimes
- Governed by the policy wording and applicable law
- Generally
Comprehensive / Package
A policy structure that generally combines Third-Party Liability and Own Damage protection, subject to the specific policy wording.
- Covered legal liability toward third parties
- Generally
- Covered loss or damage to the insured vehicle
- Generally
- Optional add-ons may be available
- Generally
- Governed by the policy wording and applicable law
- Generally
Owner-Driver Personal Accident Cover
Accident-related protection for an eligible owner-driver, subject to applicable policy, eligibility requirements and terms.
- This is accident-related protection for the eligible owner-driver. It is not cover for damage to the vehicle.
- Eligibility, the sum insured and the conditions are set by the applicable policy and law.
- Where an eligible cover is already held, the requirement may be handled differently. This has to be checked for the specific case.
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Disclaimer
Information on this website is provided for general guidance. Actual insurance coverage, exclusions, eligibility, premium, deductibles, add-ons, claims and policy conditions depend on the applicable insurer, product, vehicle, use, policy wording and applicable law.
Official insurer policy wording and applicable law prevail.