Vehicle Insurance: Types of plans

Vehicle Insurance comes in several forms. Understanding the differences helps you choose the structure that fits your life stage and budget.

Type	What it means
Third-party only	Minimum legal cover. Does not pay for damage to your own vehicle.
Comprehensive	Third-party plus own damage. Recommended for most owners.
Standalone own damage	For owners who already hold a long-term third-party policy (for example, a new car’s multi-year policy).
Two-wheeler policy	Tailored cover for scooters and motorcycles, including multi-year third-party options.
Private car policy	Cover for personal cars, with a wide range of add-ons.
Pay-as-you-drive / usage-based	Premium tied to kilometres driven or driving behaviour, where offered by the insurer.

Not sure which suits you? Take our two-minute needs quiz or talk to us.