What is the MVA Fund?
The Motor Vehicle Accident (MVA) Fund helps people who get injured or lose loved ones in road accidents. It pays for medical care, rehabilitation, and related support.
But it doesn’t pay for damage to vehicles or other property  that’s where private motor insurance comes in.

Types of motor insurance

• Comprehensive: Covers your car and others’ property if you cause an accident.
• Third-party only: Covers damage to another person’s car or property, not yours.
• Third-party, fire, and theft: Covers theft or fire and third-party damage.

Why private cover matters
Without private insurance, you’ll have to pay for car repairs or property damage yourself  even if the MVA Fund helps with injuries.

Extras to think about

• Cover for hail, animals, and gravel road damage
• Roadside help and towing
• Cross-border cover if you drive to nearby countries

How to claim

1. Report the accident quickly to your insurer and the police.
2. Take photos and get repair estimates.
3. Follow the insurer’s process and use approved repair shops.

Tips before buying

• Compare quotes and excess amounts.
• Disclose all regular drivers and car modifications.
• Check claim turnaround times and roadside assistance details.