Road Traffic Act (RTA)/Third Party - is compulsory cover that ensures an insured meets the statutory requirement (Road Act 12:11 section 22 subsection 1) of using public roads and covers the insured against legal liability to third parties for damage to their property, death and or bodily injury up to a statutory limit.
Full Third Party – is an extension of Third Party that extends increased limits of liability for the insured against legal liability to third parties for damage to their property, death and or bodily injury.
Full Third Party (Fire & Theft) – is a further extension of Third Party that extends cover to the insured against any damage or loss caused by fire, theft or attempted theft to the insureds vehicle.
Comprehensive/Full Cover - covers loss or damage to client’s vehicle, theft of accessories or whole vehicle, fire and liability to third parties’ vehicles, property, bodily injury and death. Also covered are medical expenses, litigation costs and towing charges.
Motor Fleet – A Motor Fleet Policy is offered to any entity that has 15 or more vehicles of one or more types.
Motor Traders Combined – policy that covers motor service or repair outlets against unforeseen damage to third party vehicles while in the custody of the outlet.
Excess–Buy–Back – is an extension of cover that can be held by any insured who has a comprehensive motor policy. This requires an additional premium payment. But it is intended to expunge the excesses that are inevitable with all claims.