Third-party vs comprehensive insurance, Namibia

Short answerChecked 31 October 2026

In Namibia, injury and death caused to other people on the road are covered by the MVA Fund, not by your policy. A private motor policy decides who pays for damage: a third-party policy covers the damage you cause to other people's vehicles and property, while comprehensive cover adds your own vehicle. What each policy includes is set by its wording, which NAMFISA says the insurer must disclose: benefits, exclusions and excess.

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Your situation is different? Ask.

Answers come from the law, the regulator and the insurers' own documents, with the source under each answer. General information, not advice.

What excess will I pay on a claim?Am I covered if I use the car for business?What should I check before I renew?

What to compare, point by point

Question to ask	Why it matters
Does it pay for damage I cause to other people's cars and property?	The MVA Fund never does; without this you pay the other owner yourself.
Does it pay for my own car after an accident?	This is what separates comprehensive cover from third-party cover.
Theft, fire, hail, windscreen?	Check that each one you need is listed on the schedule.
What is the excess on each claim?	NAMFISA lists the excess among the things the insurer must disclose.
Who may drive the car?	Any driver is bound by your policy's terms; an unauthorised driver is the exception (NAMFISA).

Sources for the rules above: NAMFISA, short-term insurance rights and NAMFISA, motor vehicle insurance. Injury cover: the MVA Fund.

Which one suits you

A car you could not afford to repair or replace (financed, new, used for work): comprehensive cover protects you against your own losses.
An older car of low value: a third-party policy covers the costly part — other people's cars — while you carry the risk on your own.
No policy at all: injuries are still covered by the MVA Fund, but every repair, yours or another driver's, is paid by you.

Already insured?

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Next step

1. Find the cover that fits

Frequently asked questions

Does third-party car insurance cover injuries in Namibia?

Injuries and deaths on the road are covered by the MVA Fund, financed by the fuel levy. A private third-party policy is about damage to other people's vehicles and property.

Is comprehensive insurance compulsory if my car is financed?

We found no Act that requires it, but a lender can make it a condition of the finance agreement: read your agreement.