Car insurance is a legal requirement for any driver using a public road. Third party is the lowest level of cover available.

Third party insurance is the minimum cover allowed by law. It is the cheapest form of insurance and covers your liability for any damage to another car or person that occurs whilst driving. 

It does not cover you for damage to yourself or your own vehicle but should you have an accident that is not your fault you may be able to claim the cost of repairs from the other person’s insurance.

Third party car insurance does not cover you for theft of the vehicle. If the vehicle cost over five thousand pounds to buy it may be worthwhile insuring it at a higher level. If the vehicle were to be stolen, you would have to cover the cost of buying a new one.

Many younger drivers who have just passed their test would normally buy a car second hand that doesn’t cost more than five thousand pounds. In this case the insurance cover that costs the least but still offers full legal cover will be the one they choose.

If a driver has a new car that is worth an amount that they could not afford to replace, they may wish to opt for the next level or top level of cover; either third party, fire and theft or fully comprehensive insurance.

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