Which of the following covers loading or unloading accidents?

Third party liability coverage is designed to protect against the legal liabilities that the insured may incur due to accidents involving their vehicle. This type of insurance typically extends to cover situations where the insured is responsible for injury or damage to another party resulting from the operation of their vehicle.

Loading and unloading accidents often occur during the process of handling goods onto or off of a vehicle, and liability coverage addresses scenarios where these actions lead to injuries or property damage to third parties. For instance, if a loading accident results in someone being injured or property being damaged, third party liability would cover the damages or medical costs incurred as a result of the insured's actions.

On the other hand, comprehensive cover generally includes a broader range of incidents affecting the insured vehicle itself, rather than liability towards others, whereas fire and theft cover focuses on protecting against those specific risks. Personal accident cover is designed to provide financial compensation for injuries sustained by the insured or passengers in the vehicle, rather than addressing liabilities to third parties. Thus, third party liability is the appropriate choice when considering coverage for loading or unloading accidents.