is the highest level of cover a person can have if they take out motor insurance in Zambia. By taking out Comprehensive Cover, you are not only covered for third party claims after an incident, but also covered for damage caused to your own vehicle.

Third Party Fire & Theft

this covers all third party liabilities and also covers the vehicle owner against the destruction of the vehicle by fire (whether malicious or due to a vehicle fault) and theft of the vehicle itself. It may or may not cover vandalism. This kind of insurance and the two preceding types do not cover damage to the vehicle caused by the driver or other hazards.

Third Party Only

the minimum level of insurance cover commonly available, and which satisfies the requirement of the Act, is called third party only insurance. The level of cover provided by Third party only insurance is basic, but does exceed the requirements of the act. This insurance covers any liability to third parties, but does not cover any other risks

RTA Only

differs from Third Party Only Insurance and is not often sold. It provides the very minimum cover to satisfy the requirements of the Act. For example Road Traffic Act Only Insurance excludes cover for damage to third party property and will only cover liability for death and or injury.


Motor Insurance
Is the highest level of cover a person can have if they take out motor insur-
ance in Zambia.
Marine Insurance
Covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property.
Domestic Insurance
This includes house and contents insurance. Within the industry it is referred to as ?
Engineering Insurance
Our construction insurance policies protect against the cost of loss or damage to building works,
Fire Insurance
Insurance that is used to cover damage to a property caused by fire. Fire insurance is a specialized
Aviation Insurance
Aviation insurance is insurance coverage geared specifically to the operation of aircraft
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