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What is the legal MINIMUM insurance cover you must have to drive on public roads?

A Third party only.

The minimum insurance required by law is third party cover. This covers others involved in a collision but not damage to your vehicle. Basic third party insurance won’t cover theft or fire damage. Check with your insurance company for advice on the best cover for you and make sure that you read the policy carefully.

Related Information

Before you can drive your car in a public location, you must obtain motor insurance. It protects you, your car and other drivers from legal responsibility in the event of a collision. It offers monetary compensation for any injuries brought to people or their property.

Types of insurance cover

- Third party only: The law requires that you have this cover. With this level of cover, you can be sure that any injuries to other people—including your passengers—or damage to their property as a result of an accident you cause will be compensated. It doesn't pay for any of your accident-related expenses. The majority of insurance providers provide insurance coverage levels above those required by law. Each company will have a different regulations of what exactly is covered.

- Third party fire and theft: In addition to offering the same coverage as third party only, this policy additionally covers theft or fire damage to your car.

- Comprehensive: This offers the same cover as third party fire and theft. It also protects you if an accident results in damage to your car. Insurance companies offer a variety of additions to this level of coverage, such as supplying you with a courtesy car while your vehicle is being fixed, paying for your legal fees, covering your excess and other uninsured losses, roadside recovery schemes, and vehicle repairs in the event of a breakdown.



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