What is motor insurance?

Insurance companies provide motor insurance through personal auto policies (PAP'S). A PAP is a contract between you and your insurer, specifying each party's right and obligations. Essentially, your insurer promises to provide specific coverage for you in return for your payment of a premium.

Motor insurance is designed to protect yourself and others against these risks. It provides financial cover and can also offer other services (eg. A hire car if your vehicle is under repair from accident damage) when the need arises.