Third Party Only Insurance
Car insurance can be confusing, we know. That’s why we’ve created this short guide on the different levels of cover you can choose from - let's take a look at Third Party Only in more detail!
What is Third Party Only Insurance?
This is the most basic level of car insurance you can buy. To drive your car legally in Northern Ireland, this type of cover is required.
If you’ve been involved in a crash, third party only will cover the cost of any damage to other people’s cars or property and the cost of their medical expenses too.
The catch is, it does not cover the cost to repair or replace your car meaning you could be out of pocket if your car gets stolen or damaged.
What am I covered for with Third Party Only?
Third party only car insurance covers:
- Damage to other people’s cars or property
- Injury to other people
What’s not covered?
- Repair or replacement of your car if it is damaged by fire
- Repair or replacement if your car is stolen or damaged by theft
- Repair or replacement of your car if it is damaged accidentally (even if it was your fault)
- Personal injury
- Compensation for any personal belongings stolen or damaged
- Windscreen repair
- Breakdown recovery
Is Third Party Only Insurance right for me?
You are legally required to have third party insurance BUT you can choose to boost this protection to a higher level of cover like comprehensive insurance or third party, fire & theft.
More About Comprehensive
Is Third Party Only cheaper?
Back in the day, third party policies were traditionally cheaper but as it turns out, drivers who opt for third party were likely to be in more accidents which meant insurance companies upped the premiums to balance this risk.
Nowadays, “cheap third party only car insurance” doesn’t exist as such.
Therefore, you might be surprised to find that comprehensive car insurance can be more affordable.
Can you drive someone else’s car with Third Party Only insurance?
No, you’re not covered even if the owner gives you permission. Being covered while driving someone else's car is only available if you have comprehensive car insurance and even at that, you need to double check your insurance docs to confirm you’re covered.
We've got you covered
Whatever level of cover you need, we’ve got you sorted.
Frequently Asked Questions
If you’re looking for extra coverage and peace of mind, then comprehensive car insurance is the perfect option.
It covers you for fire and theft, as well as for personal injury even if you were at fault. If, however, you’re seeking a basic level of cover then third party insurance may suit your needs. Third party insurance only covers damage to other people’s property and injury to others.
Yes, you can drive with only third party insurance. It is a legal requirement to have third party only if you plan to drive in Northern Ireland, Great Britain, Ireland or anywhere in the EU. It is a basic level of insurance so if you’re looking for something that offers more protection then you should consider comprehensive insurance or third party fire & theft.
Third party only insurance won't cover you in the event your vehicle is stolen or broken into. If you want this to be covered in your insurance policy, then it's best to consider third party fire & theft insurance.
If you're interested in purchasing third party only car insurance, you can get a car insurance quote today on our website. We will shop around for the best deal for you.
