Third party car insurance is a motor insurance contract that ensures protection of the vehicle owner against any unforeseen accidental liabilities arising out of third party vehicle damages property damages bodily injuries disability and death.

What does third party car insurance cover mean. In that case your insurer will bear the expenses andor liabilities arising from such an eventuality. Basically third-party insurance is liability coverage thats purchased by a consumer first party from an insurance company second party to protect against claims from other people third party for injuries or damage the first party causes. Medical costs for anyone youve injured.

For that youd need a comprehensive insurance policy. Damage to another persons car. Third party car insurance third party only is the most basic policy type and is the minimum level of cover required by law to make sure third parties involved in any accidents are covered.

Because third-party car insurance is the minimum legal level of cover it shouldnt be surprising that it covers only the minimum costs in case of an accident. Legal fees and lawsuits as a result of the accident. Repair costs to any property youve damaged.

If you have an accident while driving the car thats listed on your policy third-party insurance covers you for. So this is usually the other driver involved in an accident. A third party car insurance policy ensures that if you cause an accident any damage to the other persons vehicle or.

Damage to your car is not covered by third party car insurance. TPO covers damage to other people and other cars but any damage to your own car is your responsibility to fund and sort. Thats why you need to be prepared for the off-chance you cause an accident that results in property damage or injuries.

In simple words it is an insurance policy that protects you from legal liabilities which may arise in case of an accident. Motor third-party insurance or third-party liability cover which is sometimes also referred to as the act only cover is a statutory requirement under the Motor Vehicles Act. As the name suggests third party insurance will only cover any third parties involved in a car accident which is the fault of the policy holder.