What is Third party only Insurance?

If you want yourself to be personally covered against accident or your vehicle to be covered you should consider a more comprehensive form of car insurance.

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What if I own a classic car?: Classic cars are used for many different purposes, whether it be driving to and from work, attending trade shows or even for rallies. Classic cars often require a more tailored car insurance package which allows you to fit the policy around the cars use. This may be in the form of limited mileage or even specialist track day insurance.
How can I lower my Motor insurance premiums?: Many factors influence the premiums of your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. To name a few of the important variables, the vehicle you drive, your gender and your age are all important to the insurer whilst they calculate your quote. Below we have discussed several of these key variables that are within the policyholder's control.
Who do I contact if I have a complaint against a finance house?: First you must address your original contact you dealt with, ask them for their job title and then request that the provide you with the name of the person who handles complaints. Traditionally, finance houses are required by the FSA to have a complaints procedure, and you should ask for details of this.
Am I insured to drive someone else's car?: Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.
As a result of the accident, my car has been damaged - can I go ahead and get it repaired?: If you have taken out comprehensive car insurance cover and wish to claim under the policy, a specific claims procedure will be given to you when you contact the Claims Line to notify them of the accident. You should not repair your vehicle without the approval of your insurer.

Third Party car insurance car insurance will only cover you against liability to others. It will ensure that in the event of an accident the innocent party’s repair/replacement costs are insured against.

Although technically ‘Act Only’ insurance is the minimum form of car insurance required for you under law, in practice it is very rare. Most insurers offer 3rd party as the minimum form of cover in their portfolio.

Insurers consider your personal details when they calculate your car insurance premiums. Your age, driving convictions, claims experience and driving experience all effect the cost of your premiums, as is your employment status and occupation. How often the vehicle is used also effects the premiums because if it is used for business purposes, then you will probably be cover greater than average mileage. The type of Motor vehicle also has a large effect upon the premiums.

Like any form of insurance contract, you should fully read the terms of your policy very carefully. In some circumstance you may be covered to drive other cars, in some you may not. Likewise others may also be insured on your car.

NOTE check your policy documents before allowing others to drive your vehicle.
Under the law, if an accident is proven to be caused by you, then you are fully liable for any injuries to property or people during that accident. This includes cover for death and serious illness such as loss of a limb. Your legal costs, are covered as well.