Why this exists
Third-party cover is the legal minimum and pays nothing towards your own vehicle. Most drivers only discover which one they bought after the first incident.
What it covers
- Third party: injury and damage you cause to others
- Comprehensive: the above, plus damage to your own vehicle
- Fire and theft, on comprehensive and on third-party fire and theft
- Flood, on most comprehensive policies — worth confirming explicitly
What it does not
- Your own vehicle, under third-party cover — the most common surprise
- Driving by anyone not permitted under the policy
- Using a private vehicle for hire or ride-hailing, unless declared
- Wear, tear and mechanical breakdown
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Every vehicle owner — third party is a legal requirement
- Anyone whose car is financed or needed to earn a living
- Businesses running vehicles, where fleet terms usually price better
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.