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There are three types of motor insurance cover available :

Third Party Only:

Cover for damage to third party property Only. This is the most basic type of cover available. It covers you against damage to a person, car or property involved in an accident with your vehicle.

It does not cover damage to your vehicle, you will have to cover this expense unless you can prove that the accident was another parties fault which can be extremely hard to prove.

Third Party Fire and Theft:

Cover for damage to third party property along with cover for your vehicle in the event of fire and or theft claim. Same cover as mentioned above but also includes cover against theft or fire or explosive damage to your vehicle.

Comprehensive Cover:

Cover for damage to third party property along with cover for your vehicle in the event of fire and or theft claim. Also includes claims for accidental damage to your vehicle fault or non fault. This is normally the most popular type of cover. You are normally covered no matter whose fault the accident is.

You are covered against accident damage to your vehicle and any other parties involved. This cover is not normally that much more expensive than third party or third party fire and theft cover as most insurance companies prefer drivers to have this level of cover.