Find Third party car insurance policies are there to protect the other people on the roads on which you are driving. By law, as far as the Road Traffic Act(s) are concerned you need to have a minimum level of insurance to drive a vehicle. Third party only insurance will cover your liability to others only. Please note that with third party insurance there is no cover for damage to yourself or your vehicle.
Third Party Car Insurance
The driver's age,
Whether the driver has had any claims, convictions.
The drivers employment status or occupation.
The type of car is also important. Is it a sports car or a family saloon.
The value of the car?
The age of the car?
Is the car garaged?
How often the car is used and for what purposes (i.e. business and pleasure).
What am I covered for?
Should it be proved that you caused an accident, your insurer will pay for the money that you owe by law to any injured victims or even those killed in the accident. Any legal costs are covered, and paid to the solicitors of the victims as well as the legal costs that your own insurer incurs representing you.
Your policy should also pay for an expert solicitor to help you in third party claims, but will not pay your fines.
You will be covered to drive other cars on a third party basis. With all insurance policies Look carefully at the terms and conditions of your policy for this reason. The policy will tell you whether you can drive another car, and whether someone else can drive your car.
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