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 > Consumer advice  > Buying a car  > Before you buy  > Insurance

Insurance

Car insurance can protect you against costs and liabilities if you are involved in an accident or if your car is stolen or vandalised. The type of insurance you choose will depend on the type of car you buy and on your budget. When choosing insurance, shop around and find the deal that best suits your needs. Ensure that you know exactly what you are covered for, what your obligations are and the correct procedure you need to follow in the event that you need to make a claim.

Compulsory Third Party
As the name suggests, this insurance is compulsory. It forms part of the cost of your vehicle registration and covers you, or anyone else, for death or injury if your car is involved in an accident. The insurance does not cover damage to vehicles, and it may not cover injuries you have sustained if they are a result of your negligent actions.

Third Party Property
This insurance covers you against damage caused to other cars and property. However,
it does not offer you any protection for your own car.

Third Party Property, Fire and Theft
Also known as ‘extended' third party property insurance, this insurance covers you against accidental damage to other cars, property, fire and theft. Unlike comprehensive insurance, however, it does not cover damage to your own vehicle. Some insurers provide special ‘uninsured motorists extension' within this insurance type. It pays to ask if your policy
will cover this scenario.

Comprehensive
This insurance offers the greatest protection. It covers damage to your car, other cars, property, fire and theft. If you have taken out a loan to buy a car, you may be required to purchase this type of insurance.Things to consider
Prior to agreeing to any insurance cover, consider the following:

Policy cancellation or claim refusal
Your insurance policy may be cancelled or your claim refused if:
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