Types of Cover

Accidental damage fire and theft (ADF&T) or Comprehensive cover

This policy includes accidental and malicious damage to your vehicles and your customers’ vehicles in your custody or control. This extends the third party only cover to include fire, theft, accidental and malicious damage to your vehicles and your customers’ vehicles whilst in your custody or control.

Third party fire and theft cover (TPF& T)

This extends the third party only cover to include fire and theft cover for your own and your customers vehicles whilst being driven by you, your employees or whilst in your custody or control.

Third party only (TPO)

This is the minimum legal requirement for vehicles to be driven on public roads. TPO cover will provide protection to third parties, including your passengers, for loss damage or injury inflicted by your own negligence whilst driving a motor vehicle. The cover does not include your own losses damage or injuries.

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