by mheo soriano
In taking out a car insurance policy, three main levels of cover are often covered.
Third party
Third party tends to the injuries you caused to other people, including passengers. It also covers damage to other peoples’ properties, passengers for accidents caused by them.
Third party cover is suitable for people who are unable to afford a better type of car
But if your car costs more to replace, you need to consider something better.
Third party, fire and theft
The next step up is “third party, fire and theft or TPFT. This provides third party cover, plus fire or theft of the vehicle. But if you are the damages are of your responsibility, TPFT won’t pay for the repairs to your car.
To be continued…