Motor or accident insurance

You should go for a Package policy. A Package policy covered all the losses (own damage & third Party).

As per my knowledge both insurance policies serves different purpose with some similar covers. As far as motor insurance is concerned it is one of the mandatory documents you must have for driving your vehicle on road, and accident insurance covers you against accidental such as; partial disabilities, permanent disabilities and death. I hope this will help you!

Dear Mr Mohan

A package policy is coverd all the accidental losses also.