What are the main types of motor insurance policies available?

The main types of motor insurance policies are accurately categorized as third-party, third-party fire and theft, and comprehensive insurance. This classification reflects common types of coverage available in the motor insurance market.

Third-party insurance is a fundamental minimum level of coverage required by law in many jurisdictions. It provides protection against claims made by other parties for bodily injury or property damage resulting from an insured driver's actions. This policy does not cover any damage to the insured's own vehicle.

Third-party fire and theft is a step up from basic third-party coverage, adding protection against the risks of theft of the insured vehicle and damage caused by fire. This type of policy is still focused on protecting third parties while also providing some level of security for the insured's vehicle.

Comprehensive insurance offers the most extensive level of coverage. It not only includes the benefits of third-party and fire and theft coverage but also protects the insured vehicle against a variety of risks such as damage from accidents, natural disasters, vandalism, and other incidents not covered by the lower-tier policies.

The other options either combine terms or do not reflect standard terminology used in the industry. For instance, terms like "partial" or "deluxe" do not correspond to well-recognized categories of motor insurance policies.