Compare 3rd party car insurance quotes from over 100 car insurance providers to find the cheapest quote. Using our free car insurance comparison service takes less than 5 minutes and will instantly show you quotes from leading insurance providers.
What is 3rd Party Car Insurance?
3rd party car insurance provides the least amount of required cover to drive legally on the roads in the UK. As the name suggests, 3rd Party only insurance covers a driver for accidentally causing injury to others, damage to third party property and liability while towing. This type of cover means that the driver themselves and their vehicle is not included in the driver’s insurance policy is the accident is the driver’s fault.
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What does 3rd Party Insurance Not Cover?
Damage, Theft & Accidents
TPO insurance does not cover your vehicle in the event of damages from flooding, fires, theft, vandalism or a road traffic accident
If you are unable to work following an accident which was your fault, you will be unable to claim compensation for injury or time off work.
If you are hit by an un-insured driver you will have to pay for the cost of repairs to your vehicle or a replacement. You may also lose your no claims discount and have to pay an excess.
TPO insurance does not cover your personal property inside your vehicle should it get stolen.
Driving another vehicle
Third party only insurance does not cover you to drive other vehicles. However it is important to note that other types of car insurance may also not cover you for this, so you need to check your policy at the time of purchase.
Is 3rd Party Only Insurance The Cheapest Option?
It is a common misconception that 3rd Party Only insurance is the cheapest option because it provides the least amount of cover. As with all insurance, the price you pay for cover is calculated based on risk and past data shows that TPO insurance typically has the most claims and therefore in some cases it can be the most expensive option.
The best way to find out which insurance is the cheapest for you is to complete our quote form and see how much the price varies when you switch between third party only, third party, fire & theft and fully comprehensive insurance.
You may be pleasantly surprised to find you can cover yourself more comprehensively at a cheaper rate.