In brief
- Third-party cover is the legal minimum — it pays for damage you cause to others, not to your own vehicle.
- Comprehensive adds theft, fire and accidental damage to your own car.
- For a newer or financed vehicle, comprehensive is usually the sensible choice.
Every vehicle on Tanzanian roads must carry at least third-party motor insurance. It's the legal minimum — but it only pays for damage or injury you cause to other people. If your own car is stolen, burnt or damaged in an accident, third-party cover pays you nothing.
Comprehensive cover, on the other hand, protects your own vehicle as well as third parties. It typically includes theft, fire, accidental damage, windscreen cover and sometimes passenger liability. For a newer or financed vehicle, comprehensive cover is almost always the sensible choice.
The right answer depends on the value and age of your vehicle, how you use it, and your budget. As an independent broker, Singi compares comprehensive and third-party options across several insurers so you can see the real trade-offs before you decide.
If you're not sure which level of cover you have today, send us your details and we'll review it with you — free of charge.
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