Comprehensive cover is the most expensive route, but covers you for accidental damage to other people and their property, and damage to your own car and things inside it -- even if the damage is your fault. It also covers you for theft, with many policies offering additional services like cover for broken windscreens. Some comprehensive policies may include the provision of a rental car -- but check the small print.
Third Party Property
Third Party Property covers damage to other people and their property -- but not damage to your own car. Third Party Property cover is cheaper than comprehensive, so if your car is not worth much, why go to the expense of full cover?
Third Party Fire and Theft
Third Party Fire and Theft adds fire damage and theft cover for your car to the benefits of a Third Party Property policy.
Compulsory third party
Compulsory third party is what you pay as part of your registration fees which covers you against any injury or medical claims if you are at fault in accident. Like it says, this is compulsory and you don't have any choice about paying it.
*Note
READ THE FINE PRINT
While it is important to know exactly what you are covered for it is equally important to know what you are not covered for.
While it is important to know exactly what you are covered for it is equally important to know what you are not covered for.
Policies may sound the same but usually the are slightly different. Some may not cover you if you were drunk or stoned etc.
Make sure you check what voids the policy that you are covered for. Window tinting may void the cover so check before doing modifications and if you do any modifications, let your insurance company know.