Hamilton Insurance -Zimbabwe

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Hamilton Insurance .

Third Party Motor Insurance is the basic level of cover required for a vehicle to be on the road. It protects other people, not you.

It covers:

Injury or death you cause to third parties (people outside your vehicle), including medical costs and legal liability.

Damage you cause to other people’s property, most commonly another person’s vehicle, but also things like a wall, gate, shop front, or roadside infrastructure.

In many cases, it can also help with legal defence costs if you’re sued because of the accident (this depends on the insurer/policy wording).

What it does not cover:

Repairs to your own car if you’re involved in an accident (even if the damage is severe).

Theft, fire, hail, flood, or vandalism to your vehicle.

Your own injuries (unless you have an added benefit like personal accident cover).

Any incident where the policy terms are breached (e.g., unlicensed driver, drunk driving, using a private car for commercial use without disclosure, etc.).

A simple way to remember it:
Third Party = “I broke someone else’s stuff / hurt someone else.”
If you want cover for your own car, you need Comprehensive (or Third Party + Fire & Theft if offered).