Widest protection
Comprehensive cover
Full cover for your own vehicle and for other people. It pays to repair or replace your vehicle after an accident, fire or theft, and it meets your liability to third parties.
- Covers your vehicle even when you caused the accident.
- Includes third-party liability, at higher limits than RTA cover.
- Cost depends on your vehicle, how you use it and who drives, so we compare quotes.
You compare quotes from insurers first, then buy the one you choose.
What it covers
Covered
- Accident damage to your vehicle, even when you were at fault.
- Fire, lightning and explosion damage.
- Theft and attempted theft, including stolen parts and accessories.
- Injury, death and property damage you cause to others, at higher limits than RTA cover.
- Windscreen and glass damage (you may pay a share).
- Towing or recovery to the nearest repairer after a covered loss.
- Medical expenses for you and people in your vehicle after an accident, up to the policy limit.
- Legal fees if you are charged over a covered accident, within policy limits.
Not covered
- Wear and tear, depreciation, and mechanical or electrical breakdown.
- Engine or tyre damage, unless other parts are damaged in the same event.
- Driving over the legal alcohol limit, or under the influence of drugs.
- Driving without a valid licence.
- Uses your policy does not allow, such as hire, paid driving lessons, racing or carrying fare-paying passengers.
- Loss outside Zimbabwe, unless your policy extends there.
- War, terrorism and nuclear risks.
- Loss of income and other knock-on costs.
Limits and what you pay
Limits differ by insurer, so each quote shows what you get. Your own vehicle is covered up to its sum insured or market value, whichever is lower.
- Your vehicle
- Up to the sum insured or market value
Some insurers add extra excess for young or newly licensed drivers. Your quote shows what applies.
See what insurers would charge for your vehicle.
Compare comprehensive quotes side by side, then buy.
When to make a claim
Comprehensive pays when your own vehicle is damaged or lost, and when someone claims against you. Small repairs below your excess are usually not worth claiming.
Accident damage to your vehicle
Whoever was at fault. Claim when repairs cost clearly more than your excess.
Fire damage
Make everyone safe first, then keep the vehicle and parts for inspection.
Theft or attempted theft
Report to the police at once, then tell your insurer the same day.
Windscreen or glass breakage
Often claimable with a share paid by you. Check your quote for the amount.
Someone claims against you
Send any letter of demand or summons to your insurer immediately.
How to make a claim
- Stop, help, and call the police
Stop at once and help anyone hurt. Alert the police immediately if another vehicle is involved or anyone is hurt. Every accident, even a minor one on your own, must be reported within 24 hours.
- Record the scene
Take photos from several angles. Note the other driver's name, address, vehicle registration and insurer, and any witnesses.
- Do not admit fault, pay or settle
Say what happened without accepting blame. Do not pay a deposit or an admission-of-guilt fine, or agree a settlement, before speaking to your insurer.
- Tell your insurer
Do it the same day if you can. Many policies set a 30-day limit for notice, and a late claim can be turned down.
- Get repairs approved
Keep the damaged vehicle and parts. Do not start repairs until your insurer agrees, apart from small authorised amounts backed by a written estimate.
- Send documents and wait for the assessment
Claim form, driving licence copy, police report and usually three repair quotations. Your insurer inspects, then repairs, replaces or pays cash up to the insured value, after you pay the excess.
Have these ready
- Police report or report number
- Claim form from your insurer
- Copy of your driving licence
- Three repair quotations
- Photos of the damage and the scene
- Vehicle registration and policy details
- Details of the other driver, their insurer and any witnesses
Good to know
- Keep your sum insured close to your vehicle's market value. If it is too low, your insurer may reduce every payout in proportion.
- Some policies treat a vehicle as a total loss once repair costs pass roughly 70% of the insured value. Check your wording.
- Many policies add extra excess for drivers under 21, newly licensed drivers and the first weeks of cover.
- Many policies limit how long after a loss you can claim, often 12 months. Report early.
- Insurers often restrict comprehensive cover on older vehicles, so availability can depend on your vehicle age.
Compare the three
| Feature | RTA cover | FTP cover | Comprehensive cover (this page) |
|---|---|---|---|
| Injury or death to other people | Yes, up to the legal limit | Yes, higher limit | Yes, higher limit |
| Damage to other people's property | Yes, up to the legal limit | Yes, higher limit | Yes, higher limit |
| Fire damage to your vehicle | No | Yes | Yes |
| Theft of your vehicle | No | Yes | Yes |
| Accident damage to your vehicle | No | No | Yes |
| Price | Set by regulation | Set by regulation | Differs by insurer |
| How you buy | Buy direct | Buy direct | Compare, then buy |
See what insurers would charge for your vehicle.
Compare comprehensive quotes side by side, then buy.