Motor insurance covers vehicles against accidental damage, theft, fire, and third-party liabilities. It is divided into:

Comprehensive Motor Insurance

• Covers own vehicle damage due to accidents, theft, fire, and natural disasters.
• Includes third-party liability (injuries or damages caused to others).
• Optional add-ons: roadside assistance, zero depreciation, and personal accident cover.

Third-Party Motor Insurance

• Covers liabilities towards third parties (bodily injury, death, or property damage).
• Legally mandatory for all vehicle owners in most countries.

Commercial Vehicle Insurance

• Protects businesses using trucks, buses, taxis, and delivery vans.
• Covers vehicle damage, third-party claims, and business-related risks.