Why Choose Linkage Assurance’s Third-Party Plus?
Choosing the right motor insurance can feel overwhelming with options like Third-Party Only, Comprehensive, and Linkage Third-Party Plus available. Understanding the differences in coverage is key to making an informed decision that suits your needs and budget.
Let’s break down the key distinctions:
- Third-Party Only: This is the basic and mandatory coverage for all vehicle owners. It focuses solely on protecting you against financial liabilities for bodily injury or death to third parties and damage to their property. It offers no coverage for damage to your own vehicle arising from fire, theft or other causes. Premiums for Third-Party Only start from ₦15,000. It’s best for basic legal cover.
- Comprehensive Motor Insurance: This offers the most extensive protection. It covers third-party liabilities as well as damage to your own vehicle (including accidental damage), fire, and theft. It often includes additional benefits like more extensive towing services and coverage for malicious acts. However, it typically comes with a significantly higher premium and is best for full protection seekers.
- Linkage Third-Party Plus: This option bridges the gap between basic Third-Party and comprehensive cover. It includes coverage for third-party liabilities, and crucially, adds limited cover for accidental damage to your own vehicle and limited towing services. While it doesn’t cover fire and theft like a comprehensive policy, it offers a significant step up in protection from basic Third-Party at a more affordable premium, starting from ₦30,000. It’s best for protection + affordability.
Why Might You Choose Linkage Assurance’s Third-Party Plus?
- You Want More Than Basic Legal Cover: If you’re concerned about the potential costs of repairing your own vehicle after an accident, even a limited level of coverage offered by Third-Party Plus provides valuable financial security.
- Comprehensive Insurance is Beyond Your Budget: Third-Party Plus offers an affordable way to gain some protection for your own vehicle without the higher cost of a full comprehensive policy.
- You Assess Your Risk as Moderate: If you deem the risks of fire and theft to your vehicle as lower but are still concerned about accidental damage, Third-Party Plus can be a cost-effective solution.
Linkage Assurance PLC aims to provide reliable and tailored insurance solutions. If you’re seeking a balance between essential legal coverage and some protection for your own vehicle at a reasonable price, Linkage Third-Party Plus is definitely worth considering.
Compare your options and choose the right protection for your peace of mind. Get a free quote for Linkage Assurance’s Third-Party Plus today!
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1 Comment
Igbafe Peter
Insurance at its best