Third Party Car Insurance Information

What is 'Third Party Only' Car Insurance Cover?

This covers the policyholder against damage to a third party's property or to the third party themselves.

In other words, if you run into another car and cause damage to that car and injure the occupant(s) of that car, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you.

A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured.

In addition, if your vehicle is stolen or catches fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.

Do you only need third party cover  - if so you could save a lot of money. This is also more likely to be suited to older vehicles with low residual value.

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