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Third party car insurance

If you've got a car, you've got three options when it comes to insurance: third party, third party fire and theft, or comprehensive insurance

This guide takes a look at the ins and outs of a third party policy:

What is third party insurance?

Third party car insurance is the most basic type of insurance you can get, providing drivers with the minimum level of cover they need to be able to drive on public roads.

What does third party insurance cover you for?

So, what's meant by third party insurance? Well, if you're ever involved in an accident that's your fault, third party car insurance cover will pay out for damage to the other driver's car. You'll have to pay the excess you agreed when you took out the policy.

If the other driver's injured in the accident, third party insurance will also pay for medical treatment, if they need it.

Third party doesn't cover your car if it's damaged, meaning paying for repairs will need to come from your own pocket. The same goes for medical costs.

Is it compulsory to have third party insurance?

Yes, third party insurance is a standard legal requirement. But there are two other options to choose from, both of which will boost your protection:

  • Third party, fire and theft has all the benefits of a third party policy, plus cover if your car's damaged by fire or stolen. You'll still have to pay for repairs and personal medical treatment if you're involved in an accident deemed your fault, though.
  • Comprehensive insurance is the highest level of cover available. Unlike third party policies, you're protected against damage to your own car. So, your insurer will pay to repair or replace your car up to its current market value, even if you're in an accident where you're thought to be at fault. You can also claim if you, or any passengers with you at the time of the accident, need medical attention.

Is third party car insurance cheaper?

Even though third party insurance will give you the most basic level of cover, you might discover it's cheaper to take out comprehensive cover instead. But why is this?

It's all to do with driver statistics. Inexperienced drivers tend to opt for third party policies to lower the cost of running a car. But as new drivers are more likely to have a crash and make a claim, premiums have been raised to balance out this risk.

So, if you're a driver with years of experience and a clean driving record, unfortunately you'll have to pay more due to the less-experienced drivers associated with these policies.

Can you drive someone else's car with third party insurance?

No. You need a comprehensive car insurance policy in order to drive someone else's car. And even then, your insurer might have certain restrictions, so always make sure you check the terms and conditions. Also bear in mind if you're allowed to drive another person's car, you'll only have third party cover.

Do I have to pay excess towards a third party claim?

If a third party – the other driver – makes a claim against you after an accident, you won't need to pay your excess. Your insurer will cover this.

So, is third party insurance the right option for me?

The thing to remember with third party insurance is you'll have to cover all personal costs if you're involved in an accident. Do you have the cash spare to repair or replace your car if it was written off? If your car's cheap, or you're confident you'd be able to carry out most repairs yourself, third party cover could be a good option for you.

Third party insurance can be a false economy. Even if you find it's the most affordable option, you're exposed to more risk and may have to dig deep into your savings if you had an accident. For the sake of a few extra pounds, comprehensive cover will bring you greater peace of mind.

Third party insurance with Hastings Direct

If you want third party car insurance for a price that won't break the bank, choose Hastings Direct. All our policies feature a huge range of benefits as standard, along with a number of optional extras to allow drivers to tailor cover to suit their needs. See how much you could save by getting a quote today.

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Our straightforward car insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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