Buyer guide

Vehicle insurance, made clearer

Compare the cover, exclusions and claim process—not only the premium—before choosing a motor insurance policy.

Third-party cover

Covers legal liability for injury or damage caused to other people. It generally does not pay for damage to your own vehicle.

Comprehensive cover

Usually adds cover for accidental damage, theft and fire. Benefits and exclusions differ, so read the policy schedule carefully.

Before you choose

Check the insured value, excess, approved repair network, roadside assistance, natural-disaster cover and claim notification deadline.

Information to have ready

• Registration certificate details
• Vehicle make, model and year
• Current market value
• Previous policy and claim history
• Intended vehicle use
• Driver details and licence

Independent guidance

Riya Madura does not currently sell insurance or recommend a specific insurer. Confirm all terms directly with a licensed insurer or broker before paying.