What does Third Party Only insurance cover?
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Third Party Only
Third party only insurance only covers you for damage or injury to a third party. You have no cover whatsoever for personal injury, or damage to your vehicle. Third party only insurance protects you against any claims made against you should you have an accident. This is the minimum level of cover required by law.
Most insurance companies will not let you drive someone else's car if you only have third party insurance.
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If you have had an accident and you are proven to be at fault, your insurance company will pay the money that is owed by law to any injured parties, and even to those killed in an accident. If you have damaged property, this will also be covered. Any legal costs incurred will also be covered.
If a thief steals your car and causes an accident whilst driving it, a third party policy will protect you against any claims for injuries or damage that may arise from the accident, even though the thief was to blame. However, even in this situation, you will still not be covered for the loss of, or damage to, your own vehicle.
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