There are three classes of Insurance covers for Motor Vehicles:

Motor Comprehensive

This is the best motor insurance cover that provides indemnity against accidental loss or damage to the insured vehicle.

Motor Third Party Fire & Theft (TPF&T) Cover
This provides indemnity against loss or damage to motor vehicle as a result of fire or theft

Motor Third Party Only (TPO) Cover

This covers property or personal liability to third parties that may arise out of the use of the vehicle.