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Third party car insurance is the most basic policy you can get, and it only covers you for a collision or accident that damages someone else’s vehicle or property. While it has historically been the most affordable level of car insurance on the market, this isn’t always the case.
If you’re on the hunt for a third party deal for your car, our guide offers some essential tips for comparing policies and choosing the right policy for you.
Third party car insurance is the legal minimum level of insurance you need to take to the roads in the UK. This type of policy will cover you for any damage you cause to another person’s vehicle or property. However, it’s important to remember that any damage to your vehicle will not be covered by third party insurance.
So in the event you collide with another driver’s car while out driving, or if you veer off the road and plough into someone’s house, your insurance will pay for the damage. This way, innocent drivers aren’t forced to claim on their insurance simply because another road-user was being reckless.
Whether you dent the side of your car or it’s completely written off, you’re going to have to pay out of your own pocket for any repairs or replacement. Plus, if you need to pay for any medical bills, such as physiotherapy, you will have to foot the bill.
With several different types of car insurance available, it can be tricky to work out which type of policy is the best fit for you. To help make your choice easier, check out the comparison table below:
|Cover||Third party property damage insurance||Third party fire and theft insurance||Comprehensive car insurance|
|Damage to my vehicle in an accident|
|Damage to another person’s vehicle or property|
|Loss or damage to my car due to fire|
|Loss or damage to my car due to theft|
|Loss or damage to my car due to storm, hail and flood|
|Injury or death to someone else as the result of a car accident|
Check the list of general exclusions in a third party policy to find out when the policy won’t provide any cover. Your claim will not be paid in the following situations:
There are a few reasons why you might opt for this type of car insurance:
This will depend on several different factors. When you apply for car insurance, the company will ask you a range of questions in order to work out how much of a risk you and your car pose. Factors the provider will look at include the following:
It really depends. These days “third party, fire and theft” and “fully comprehensive” policies sometimes work out as being more affordable than third party insurance.
You might be thinking this seems a bit far-fetched and are wondering why on Earth would the two policies with higher levels of cover be cheaper.
Essentially, insurance companies noticed that high-risk and younger drivers were the main ones taking out third party coverage and were claiming more. So in response, there was a hike in third party premiums.
Generally, third party insurance should still work out as offering the lowest premiums, but it might still not be worth it. If you have an expensive or new vehicle, you should probably get a policy which will protect it.
Without the proper cover, if your new vehicle gets written-off, you could be left tens of thousands of pounds out of pocket.
Keep the following tips in mind to help you save money on your car insurance premiums:
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