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Also known as “full coverage” this is a superior coverage that extends to protecting both your vehicle and the other party’s vehicle in case of an accident in which you are deemed at fault.

This is the basic and minimum cover available. It provides the policyholder against a fault accident that causes bodily injury or death and damages third-party property. 

These will range from small half-ton pick-ups to large commercial trucks. They will also include vans and company and school buses.