A two-part insurance to allow you to choose which level of protection suits you best. As a driver, do not forget to subscribe to our PERSONAL ACCIDENT insurance for you, your family and your employees (not legally considered as third party). Part 1: Loss or Damage We will indemnify you against any loss or damage to the vehicle arising out of: - Accidental collision or overturning - Malicious acts - Fire, explosion, lightning - Theft - Riots - Cyclone, flood, tidal wave. Part 2: Liability to Third Parties We will indemnify you against sums you shall become legally liable to pay in respect of any accidental bodily injury and material damage caused to any third party with insured vehicle or any other vehicle driven by the insured.