1. Third Party Cover
• Covers the insured’s liability for injury to or death of third parties and damage to third party property such as a vehicle, building, kiosks, traffic light etc. It does not however extend to a passenger's luggage, bag, wristwatch etc.
• Emergency treatment for all occupants of the vehicle
• Personal accident benefit to the insured and his or her driver.

Do you want to cater for liabilities to third parties only? What about some cover for your own cherished vehicle? See 2 below

2. Third Party Fire & Theft Cover
As the name implies, this policy insures the vehicle itself against:

• Loss or damage caused by fire or theft in addition to:
• The insured's legal liability to third parties as indicated in 1 above.
• Emergency treatment for all occupants of the vehicle
• Personal accident benefit to the insured and his or her driver.

The vehicle could be damaged or totally destroyed by risks other than fire or theft. Couldn't it? Vanguard has the policy which will cushion you against these other risk exposures – The Comprehensive Cover.

3. Comprehensive Cover
It gives the widest cover including that given by each of the two mentioned above. It gives indemnity in respect of:

• Insured's legal liability for death of or bodily injury to third parties
• Insured's legal liability for damage to Third Party property
• Emergency treatment for all occupants of the vehicle
• Personal accident benefit to the insured and his or driver.
• Damage to or loss of the insured’s own vehicle or motor cycle arising from the following:-

i. accidental collision or over-turning
ii. fire, self-ignition
iii. external explosion, lightening
iv. burglary, housebreaking, theft
v. malicious damage
vi. damage whilst in transit by rail, inland water way, lift or elevator
vii. reasonable cost of protection and towage when an accident occurs