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Comprehensive motor vehicle insurance is a voluntary motor insurance covering you against various types of loss or damage to your vehicle.

In most cases, car insurance goes with the car rather than the driver. Hence, if your friend has a license, your insurance should cover any damage that might occur.

Third Party Motor liability insurance is mandatory for all motor vehicles used in the public space. It covers damages to a third party’s Vehicle or property damage as a result of impact caused by the Insured’s Vehicle and/or bodily Injury or death to a third-party person or a pedestrian. Third Party Insurance does not cover damage to the Insured Vehicle.

A lapse occurs when you stop paying or cancel your car insurance. We recommend avoiding your insurance from expiring without it being renewed as this can result in costly consequences.

Again, comprehensive coverage covers flood damage.

Compulsory "excess" on a motor insurance is an amount of money the Insured must pay if he/she make a claim. It serves as a cautionary measure because an Insured person is supposed to act as if he/she is not Insured by protecting his property from loss or damage even though he/she is insured.