Types of Car Insurance Cover
In Mauritius, it's illegal to drive without at least third-party insurance. Driving without or inoperative insurance could get your driving licence cancelled. Choosing the right coverage is key to protecting you financially against accidents, theft, and other unforeseen events.
Third-Party Only
The legal minimum. Covers damage or injury you cause to others. It does not cover your own vehicle.
Third-Party, Fire & Theft
Includes third-party cover, plus protection for your own car against fire damage and theft.
Comprehensive
The most extensive cover. Includes all of the above, plus damages to your own vehicle, regardless of fault.
Factors Affecting Your Premium
Insurers calculate your premium based on risk. Key factors include:
- No-Claim Bonus (NCB): The biggest discount you can get. Rewarded for every year you drive without making a claim.
- Your Driving History: A clean record with no accidents or traffic violations leads to lower premiums.
- Type of Vehicle: The make, model, age, and engine size and availability of spare parts of your car all influence the cost.
- Your Location: Premiums can vary based on the statistical risk of accidents and theft in your residential area.
Smart Tips to Save Money
- Increase Your Excess: A higher voluntary excess can lower your premium, but ensure you can afford it if you need to make a claim.
- Review Your Policy Annually: Don't auto-renew without checking. Your needs may change, and a competitor might offer a better deal.
- Install Security Features: An approved alarm, immobilizer, or dashcam can sometimes lead to discounts from certain insurers.
- Compare Quotes: The single most effective way to save. Get quotes from multiple insurers or use a broker to find the best policy at the best price.
Ready to Compare Car Insurance?
Don't wait for an accident to happen. Get protected now with the right cover.
Frequently Asked Questions
Is comprehensive insurance mandatory in Mauritius?
No, only third-party liability is legally mandatory. However, comprehensive insurance is highly recommended for newer cars or for drivers who want full financial protection.
Can I drive without insurance for a short period?
No, it is a serious offense to drive any vehicle on a public road without at least third-party insurance. This can result in heavy penalties, including fines and license disqualification.