There are 3 different types of car insurance you can choose from. Namely a motor third-party liability insurance, a third-party fire and theft insurance and a comprehensive insurance. A motor third-party liability insuranceis the insurance all cars must have by law as this insurance covers damages that you cause to other vehicles or other people. However, the traffic insurance does not compensate for damages on your car, in case you have caused an accident. A third-party fire and theft insurance is a voluntary insurance you can choose as it also replaces certain types of damage such as theft or fire. A comprehensive insurance also replaces most of the damage to your car, even though it is you who has caused the accident. Even in single accidents, this insurance can compensate for damages. This means that; Motor third-party liability insurance is compulsory and this compensates only costs for damages that you have committed on other vehicles or people. Third-party fire and theft insurance (includes the motor third-party liability insurance)covers damage such as theft or fire. Comprehensive insurance (includes the motor third-party liability insurance and the third-party fire and theft insurance) covers damage to your car when you have caused the accident yourself. Keep in mind that it’s always the owner of the vehicle who shallacquirean insurance for the car, this does not happen automatically.