What does the road traffic act specify as the minimum cover provided by motor insurers?

The minimum cover specified by the road traffic act is third-party liability coverage. This type of insurance is required by law and ensures that if the policyholder is responsible for an accident that causes injury or damage to another person, their vehicle, or property, the insurance will cover the costs associated with those damages. Third-party liability coverage protects the victims of the accident, while the policyholder's own vehicle is not covered.

Comprehensive coverage offers a broader set of protections, including coverage for the policyholder's own vehicle damage, but it is not a legal requirement. Road traffic act cover, while it refers to the insurance mandated by the road traffic act, is essentially describing the third-party liability that must be carried by all drivers. Collision coverage pertains specifically to damage sustained by the insured’s vehicle, which also exceeds the minimum legal requirements outlined in the road traffic act.