Could be good for those who:
- Have a car that is not worth much money
- Can’t afford higher cover at this time
- Want more than the bare minimum cover, which only covers injuries to people
Third-party insurance is a basic form of car insurance for Kiwi drivers. This type of policy provides cover when your car causes damage to someone else’s vehicle or property and also covers your legal liability up to a specific limit, eg $20 million. These policies sometimes include cover when your car is damaged, in a no-fault accident with an uninsured motorist.
Third party car insurance is available from a wide variety of respected New Zealand insurance providers.
Third-party is defined as car insurance which covers you for damage to other people’s property, for example, their car or home, up to a certain limit, (eg $20 million). Third-party insurance only covers this and nothing else, except for some policies, which partially cover damage to your vehicle as well, even if you are at fault. Cover includes:
Although third party insurance is a pared down policy, some insurers have other benefits that provide added security, without raising costs to the level of a comprehensive policy. These additional benefits may include:
Comprehensive, third party fire & theft and third party are the three levels of car insurance on offer from most insurance providers.
|Feature||Comprehensive||Third Party Fire and Theft||Third Party Only|
|Immediate Replacement Car|
|Damage to other people’s property|
|Emergency Accommodation, Transport and Repairs|
|Contents Inside the Car|
|Storm or Flood|
|Hire car following theft|
Could be good for those who:
When calculating third party insurance premiums, insurers consider questions like:
How do I choose the right car insurance policy for me? You need to consider a range of factors.
Some general exclusions apply to most third-party policies. These include if your car was:
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