Third-party liability cover pays for injury or damage you cause to other people, their vehicles or their property. It does not cover your own car, but it is the legal minimum in most countries.

Own damage cover protects your own vehicle against accidents, theft, fire and natural disasters. It complements third-party insurance, which only covers damage to others.

Personal accident cover pays compensation to the driver and, optionally, passengers for accidental injury, disability or death. Some countries make it mandatory for vehicle owners.

Uninsured motorist protection covers you when the at-fault driver has no insurance or leaves the scene. It often includes underinsured motorist cover too.

Comprehensive car insurance combines third-party liability and own damage cover in one policy, protecting you against accidents, theft, fire, natural disasters and more.