Third Party Car Insurance - What's Covered And What's Not

Third party car insurance gives you protection for any claim made against you, your driver (if somebody else was driving) or the person responsible for your car. You must by law (the Road Traffic Act) have a certain minimum amount of cover. All motor insurance policies issued in the UK providing 'third party cover' or more, will provide greater protection than the law demands. Whether you just have 'third party only'; 'third party fire and theft' or 'comprehensive' you will have this section.

If you are to blame for causing an accident your insurer will be required to pay all monies that you must pay by law to those victims you have injured or killed, or whose property you have damaged and so on. This includes any legal costs you have to pay to the victims solicitors and any legal costs your own insurers incur looking after your interests.

The subject of third party insurance becomes very confusing if you are a passenger in your own vehicle and it is being driven by someone else. Provided that the other person is allowed and has your permissionto drive it, then it is the other person who is insured by this part of the policy and not you. Your insurance policy will list those who are insured to drive the vehicle, for example, named drivers, passengers, employer etc. Thus if you, as the passenger, were to be injured owing to the negligent driving of the person driving your car, you have the legal right to claim damages from that person. Thus, in this situation, your third party insurance policy would protect the driver, not you. You would end up with the money. Don't forget that this works both ways. In the above scenario if the driver were injured or killed whilst driving on your policy then your insurance company would not be liable for any claim.

Unfortunately, immaterial of who was behind the wheel, you cannot claim for accident damage to your vehicle on your third party policy.

If a thief takes your car and causes an accident (an all too common happening in this day and age!) this section of the policy will protect you, as the vehicle's owner, against any claim for damage or injury caused by the thief. This might seem unfair - after all it was the thief who had the accident, yet we'll lose our no-claims bonus because of something totally out of our control. You must remember that we are concerned here with the law. We have to make sure that innocent victims of otherwise uninsured drivers who are injured or who have some sort of damage caused by an uninsured driver's negligence should be compensated. How many thieves have the money to pay for such damage? So it is viable, in fact, for the victim to make a claim on your policy. Claims can be very complicated where a thief causes damage or injury.

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This article was penned by Terry Cod. He has many years of experience working as a claims adjuster with a number of UK insurance companies. His website www.instant-online-insurance.co.uk offers online car insurance with online quotes and secure online payment.

This article may be reproduced wholly or in part without written permission provided the byline, resource area, and any hyperlinks remain in order to give proper credit to the author.

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