Overview
Protect your vehicle against accidents, theft, fire, and third-party liability with flexible motor insurance solutions for private and commercial vehicles.
Why this cover
Motor insurance protects you from unexpected financial loss caused by accidents, theft, fire, or legal liability. Whether you own a personal car, motorcycle, commercial vehicle, or fleet, Cush helps you compare trusted insurers and choose the right level of protection for your needs.
Cover options
Third Party (TPO)
Covers injury, death, and property damage caused to third parties. It does not cover damage to your own vehicle.
Third Party, Fire & Theft (TPFT)
Covers third-party liabilities and protects your vehicle against fire and theft. Accidental damage to your own vehicle is not covered.
Comprehensive Cover
Provides wider protection for your vehicle against accidental damage, theft, fire, and other insured risks, while also covering third-party liabilities.
Key benefits
Accidental Damage Protection
Your vehicle is covered for accidental damage, subject to policy terms.
Theft & Fire Protection
Compensation if your vehicle is stolen or damaged by fire.
Third-Party Liability
Covers third-party property and injury liability.
Windscreen & Music-System Cover
Cover within policy limits, with additional cover available where the value exceeds the free limit.
Towing & Breakdown Assistance
Help when you break down or after an accident.
What's not covered
Wear and tear
Depreciation
Driving under the influence
Pre-existing damage
Uninsured modifications
Excess & cover limits
The amount you contribute per claim, and the maximum the policy pays out — figures vary by insurer.
Excess
Accidental damage excess is generally 2.5% for private vehicles and 5% for commercial/PSV vehicles, subject to the insurer's minimum excess.
Theft
Excess may vary depending on whether the vehicle has a tracking or anti-theft device.
Excess Protector
An optional benefit that can waive or reduce the applicable accidental damage excess, subject to policy terms. It is normally used once per claim and may require reactivation after use.
Windscreen & Music System
Covered up to the limits provided by the insurer. Additional cover may be purchased where the value exceeds the free limit.
PVT
Protects against insured losses arising from political violence and terrorism when the extension is included.
Pre-existing Damage & Wear
Existing damage, normal wear and tear, and depreciation are generally not covered.
Who it's for
Common terms
Covers damage or injury caused to other people and their property.
Protects both your vehicle and third parties.
The amount you contribute towards a claim.
An optional benefit that reduces or waives your excess after an accident.
Why Get Motor Cover Through Cush?
As an independent insurance agency, Cush compares policies from 29+ trusted underwriters to help you find the right cover at competitive rates. We explain your options clearly, offer unbiased advice, and support you throughout your journey — from your first quotation to successful claim settlement.
