Need more information on 1st party or 3rd party insurance for your car?
Well, here’s a quick and easy break down on what those terms mean when choosing your next car insurance!😊👉
1st Party:
1st party car insurance, or often referred to as comprehensive coverage, is your shield against various risks. It covers damages to your vehicle, regardless of who's at fault. If your car faces damage 1st party insurance typically foots the bill for repairs, minimizing your out-of-pocket expenses.
3rd Party:
3rd party car insurance On the other hand, provides coverage for damages caused to someone else's vehicle or property. If you're at fault in an accident, this insurance covers the costs incurred by the other party. However, it doesn't protect your vehicle. Fire and theft is another type of 3rd Party.
Examples of Coverage:
1-If a car is damaged after hitting a streetlight
1st Party- YES can claim under own damage & NCD is effected
3rd Party- Not claimable
2-If a car is damaged after hitting a wall during parking
1st Party- YES can claim under Own Damage & NCD is effected
3rd Party- Not claimable
3- If a car windscreen is damaged by a fallen tree
Image credit: Malay Mail
1st Party- YES can claim & NCD is not effected if got add-on for windscreen. Without add-on NCD is effected.
3rd Party- Not claimable
4- If a car is stolen
1st Party- YES can claim & NCD is effected
3rd Party- Not claimable
5- If you accidently hit another car
1st Party- YES you can claim & other party can claim from you also. NCD is effected
3rd Party- Other party can claim from you
6- If another car hit your car and its not your fault
1st Party & 3rd Party-YES you can claim from them
Your NCD not effected
Here's a diagram for better understanding👇
Accident Types | 1st Party/ Comprehensive | 3rd Party Fire & Theft | 3rd Party |
Your car is damaged by your own fault (Own Damage) | ✅ | ❎ | ❎ |
Wear and tear | ✅ | ❎ | ❎ |
Damage by falling objects | ✅ | ❎ | ❎ |
Fire, explosion, lightning | ✅ | ✅ | ❎ |
Windscreen or windows damaged | ✅ | ❎ | ❎ |
Thefts, burglary, house breakings | ✅ | ✅ | ❎ |
Towing | ✅ | ✅ | ❎ |
For more info you may read further on our policy wording
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