Yes - it is illegal to drive a vehicle in Mauritius without it. Legally you must have at least a basic level of car insurance, called third party liability insurance, even if you don’t drive the car.

Car insurance can pay out if your car is stolen, vandalised, catches on fire or if you are involved in an accident. It depends on the type of policy you have, but as a minimum, car insurance typically protects you against any damage you cause to other road users, the public or their property – what are called third parties. Also, the motor insurance can be extended to include extras, like personal belongings, medical expenses and breakdown assistance.

There are three main types of car insurance policy: Third Party Liability is the lowest level of cover, protecting you against damage that's caused by you or one of your passengers to others. That includes damage to other drivers and their vehicles as well as accidental damage to lamp posts and walls. Third party does not cover your own car – you'll have to foot the bill for any damage yourself. Third party, fire and theft covers everything included in third party cover, but it will also pay to repair or replace your car if it's stolen or damaged/destroyed by fire. Comprehensive car insurance is the widest level of coverage available, including third party and third party, fire and theft, but also covering wider damage to your own vehicle. Some policies will also cover you to drive the cars of others – and sometimes hire cars – but usually only up to third party level.

Insurers calculate the amount you'll pay based on a large number of different factors, including:Driver age and experience. On average, experienced drivers are less likely to have an accident compared to younger, less experienced drivers. A the same time, statistics indicate that the risk of being involved in an accident increases after the age of 70, and drivers over 70 and especially over 80 years, are more likely to be at fault in case of accident. Type of vehicle you drive. Your car value, engine size and desirability could increase the risk of it being stolen or the cost of it being repaired. Your occupation. Your occupation often influence the hours you work, the time you travel and the distance your are typically driving.

Vehicle details. Your car's make, model and year of production, as well as its value estimate. Personal details. Your name, contact details, age and occupation. Cover details. Select the type of insurance coverage and options.

UCompare is an independent comparison website, aiming to increase transparency and address the information gap that exists between insurers and consumers. UCompare assist consumers to quickly and easily filter information to a level that allows them to make a decision.

UCompare is an independent website that aims to compare standard insurance products from all insurance providers in Mauritius without discrimination. Insurance companies are invited to establish their presence on the UCompare though online registration or by contacting us directly.

All the insurance companies we work with are regulated by the Mauritius Financial Services Commission (FSC) meaning you can be confident your insurance is backed by a reputable company.