- Full Third Party: Covers liability for death or bodily injury to others plus damage to property of others up to a certain amount limit.
- Full Third Party, Fire and Theft: Covers third party liabilities as well as fire and theft loss excluding accidental damages.
- Comprehensive: Covers the insured for everything under Full Third Party; Full Third Party, Fire and Theft; Accidental Damage and other extras such as towing charges which are subject to limits stated in the policy.
All vehicles and trailers driven on public roads in Zimbabwe are required by law to have at least Full Third Party Insurance Cover. One has an option to pay for motor insurance cover monthly, termly (4months), bi-annually or annually.