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any person’s life or property caused by the use of the

vehicle in a public place.

As insurance is a contract, where the insurer and the

insured are the two parties involved, this liability can

be to any other person, or in other words, to any ‘third

party’ to the contract. Hence, such liabilities are

generally called ‘third-party liabilities’. Driving a

motor vehicle without third-party insurance in a public

place is a punishable offence in terms of the Motor

Vehicles Act, 1988. A motor third party insurance

policy is mandatory according to Motor Vehicles Act,

1988.

5. Travel insurance

Travel insurance is called by different names by

insurance companies, but offers insurance protection

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