There are four types of covers namely ordinance, third party, third party fire & theft and comprehensive. The first covers liability to third parties for bodily injuries only whereas the second covers also third party property damage.

Third party fire & and theft cover in addition to third party, material damage/loss to the insured vehicle arising from fire and or theft.

Finally, the Comprehensive cover which covers accidental damages/loss due to perils like fire, lightning, theft, overturning and collision to the insured vehicle in addition to the third party cover.