If you have a Comprehensive Car Insurance policy with us, we may pay you the market value or replace your car at the time of loss (as determined by us). Upon replacement or payment, your policy will no longer be in force and there will
not be any premium refund.
If you have a Third Party Fire and Theft Insurance policy with us, we will only pay you the market value of your car at the time of loss (as determined by us) in the event your car is deemed total loss due to damage by fire or is
stolen. There will not be any coverage on your car if it is due to an accident.
If you have a Third Party Only Insurance policy, there will not be any cover on your car.