Third Party Vs. Third Party Fire and Theft Vs. Comprehensive
What’s the difference?
Simply put Third Party insurance protects you from the costs of damage your car causes to someone else’s car or property up to a maximum of MZN 5 000 000.
Third Party Fire & Theft insurance also includes cover for fire, theft, and damage caused as a result of attempted theft.
Comprehensive is just that! It covers your car against damage caused by a number of insured events, such as theft, accidental damage and natural events (flood, earthquake, fire & storm) as well as providing 3rd party insurance.
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What to do in the event of an accident:
1. Incident details
After ensuring you and the other passengers are safe and unhurt make notes of what happened before, during and after the accident.
Take photographs of the scene, all vehicles involved in the accident and the position on the road where the accident took place.
Take names and contact of any witnesses.
4. Police Contacts
Take names and contact of police officers present.
5. Other Driver
Take the name and contact details of the driver/s and other passengers involved in the accident. Take a photo of their drivers license or vehicle license.
Take a photo or details of the other driver’s insurance documents.
Never admit liability.
8. Police Report
Make a report to the police as soon as possible.
9. Make a claim
Notify your insurance company as soon as possible. (This can be done by logging into your account).