WHAT DOES THIRD PARTY CAR INSURANCE COVER?

What is Third Party car insurance?

Third Party cover protects you against the costs of any damage or injury you cause to another person, their vehicle or their property. So if you’re in a road accident you shouldn’t have to pay to repair a Third Party’s car or property, but you will still need to cover the costs of any damage to your own car. You’ll also be covered for injuries to any other people involved, but not for injuries to yourself.

What are the benefits of Third Party insurance?

Although Third Party insurance offers the minimum amount of cover you need to have for your car, there may be certain situations where this is the best option for you.

• You have a low value vehicle – it may not be worth insuring your own car against damage if the cost of repairs would be higher than the car’s value.
• You can pay for repairs – if you’re happy to pay for repairs to your own car and can afford to do so, you may choose not to pay for this insurance cover.
• You will make claims – if you have made or are likely to make multiple claims, it may be cheaper to pay for damage than to pay for insurance, as making a claim may affect any No Claim Discount you have. However, if you’re involved in an accident, you do still need to tell your insurer, even if you choose not to make a claim.

Do you need Third Party car insurance?

It's a legal requirement to have at least Third Party insurance to drive your vehicle on UK roads. Find out more on the government website at gov.uk.

The only exemption to needing Third Party insurance is if your vehicle is kept off the road and declared as off the road with a statutory off road notice (SORN).

Even if you aren’t currently driving your car, without a valid SORN or up-to-date insurance you could face a fixed penalty, a fine up to £1,000 and have your vehicle impounded or destroyed.

You may choose to have more than the legal minimum of car insurance in the form of Third Party fire and theft or fully Comprehensive insurance.

Get a quote for Third Party insurance – call 0800 092 3195 or compare other Saga policies.