<h1>Compulsory third-party liability should be supplemented with comprehensive cover, accurate disclosures, and timely renewals to protect claim rights.</h1> Compulsory third-party liability is the baseline requirement, but buyers should prefer comprehensive cover to protect against own-vehicle loss and natural perils. Accurate disclosure of vehicle and driving history is essential to avoid claim rejection; claims are governed by the policy's terms and conditions. Confirm insurer registration with the Insurance Regulatory and Development Authority and assess claim settlement performance. Timely renewals preserve benefits and prevent lapses. Selection of appropriate add-ons and policy customisation materially affects coverage and potential liabilities at claim stage.