Motor Third Party Liability Insurance is a statutory insurance which must be taken out for almost all motor vehicles. The insurance covers bodily injuries and material damage caused to the non-guilty party and bodily injuries of the driver and passengers in the guilty party's motor vehicle. Material damage caused to the guilty party's motor vehicle is not covered under motor third party liability insurance.

Comprehensive Motor Vehicle Insurance covers damage caused to the policyholder's own motor vehicle. Such damage includes for instance driving off the road, collisions as well as deer and elk accidents. In addition, comprehensive motor vehicle insurance covers e.g. losses caused by theft or fire.

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If you own a vehicle you are legally obliged to have motor insurance. Motor insurance covers:

• Cars
• Vans
• Motorcycles

There are two main types of motor insurance:

1. Third Party: This is the minimum cover required by law in the UK. It covers you against costs that arise as a result of injuries you cause to other people and damage to their vehicles


2. Comprehensive: This is the highest level of cover available. It protects against:
• injuries to other people and damage to their vehicles
• your vehicle being damaged, stolen or destroyed in a fire
• medical expenses and accidental damage
• the cost of replacing your vehicle's contents