Choosing the right motor insurance can be confusing.
Here’s a breakdown of the three main covers found in the motor insurance policies that Laferla offers:
1️⃣ Third Party Only (TPO)
✔️ Covers damage to other vehicles or property if you're at fault.
✔️ Covers injuries to third parties (drivers, passengers, pedestrians).
❌ Does not cover damage to your own car.
📌 Best for: Budget-conscious drivers who want the legal minimum cover.
2️⃣ Third Party, Fire & Theft (TPFT)
✔️ Everything included in Third Party Only cover.
✔️ Covers your vehicle if it is damaged by theft or attempted theft, or damaged by fire.
❌ Does not cover accidental damage to your car.
📌 Best for: Drivers who want extra protection without the full cost of comprehensive insurance.
3️⃣ Comprehensive Insurance
✔️ Covers everything in TPFT, plus:
✔️ Accidental damage to your own vehicle, even if the accident was your fault.
✔️ May include additional benefits like personal accident cover.
📌 Best for: Those who want full protection and peace of mind.
Which Policy Should I Choose?
🔹 If you own a valuable car, Comprehensive Cover is the safest option.
🔹 If you’re driving an older or low-value car, TPFT might be a good middle-ground.
🔹 If you only need the bare minimum legal cover, TPO is the most affordable.
Still unsure? Contact our team for expert guidance on the best option for you.