Third Party Only Car Insurance

Third party only car insurance is often the basic cover made available by insurance companies. This type of insurance coverage is the legal minimum when insuring a vehicle in the UK. All motor vehicles must be insured in order to be driven on public roads. When a driver opts for third party insurance, they are covered if another person or party makes a claim for vehicle or property loss or damage and bodily injury. This type of coverage is also known as liability insurance or third party liability insurance. Third party only cover is often the preferred option for drivers of inexpensive cars and new drivers since premiums are lower than more comprehensive coverage options.

What's Included

Third party insurance covers policyholders when they are at fault for an accident and when another motorist makes a claim against the policyholder. Any damage, loss or injury to a third party will be covered. This means the third party insurance policyholder is covered in the event of an accident that causes damage to or loss of another vehicle or property. Any injury to or death of another person is also covered. Third party insurance policies also cover any injuries to animals. This type of insurance coverage provides coverage for financial losses as a result of any damage or loss, including lost income to a third party as a result of an accident where the policyholder is at fault.

Certain insurers may also provide optional extras as part of their third party coverage, including added protection for higher claims. Some insurance companies may also cover drivers of another person's car when driving with their permission, even if they are not listed on the policy. Insurance companies may also offer optional extras such as breakdown coverage and the use a courtesy car or guaranteed car hire in the event that the policyholder's vehicle is unavailable during repairs.

What's Not Included

Third party only car insurance does not cover costs to the policyholder's vehicle in an at-fault incident, including any repairs or replacement to the policyholder's vehicle. Any damage or loss to the driver's vehicle will be borne by the policyholder following any at-fault accident. Third party only insurance also does not cover a policyholder in the event that he or she sustains any injuries in an accident where they were at fault. Third party only coverage also does not pay for any loss due to fire or theft.


Premiums may be influenced by other factors, such as the policyholder's driving history and number of years driving, past claims made by the policyholder, driving experience, the policyholder's address, the make and model of the vehicle, and the type of car storage used. How premiums are calculated may differ depending on the insurer.

Since third party car insurance will only cover damage or loss to another vehicle, property or person, premiums for this level of insurance are generally lower than other insurance coverage options. Comprehensive car insurance covers most costs associated with many occurrences, including damage to or loss of a policyholder's own vehicle. As a result, premiums for comprehensive coverage are typically higher than basic third party insurance.

As a result of lower premiums, third party only insurance is often appealing for owners of inexpensive vehicles. This is especially true in cases where the vehicle can be easily written off or replaced in the event of damage or loss. It is also attractive for new drivers who may have limited funds available for insurance. At the same time, third party only coverage may not be the most affordable option in some cases due to its popularity.

Click the menu links to read details of other types of car insurance in the UK.