Third Party Only Car Insurance
Not offered by esure
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What is third party only insurance?
Third party insurance is one of the most basic levels of cover available in the UK. The most basic level of cover is Road Traffic Act cover, or RTA, but these policies are rarely issued, so third party only insurance is considered the most basic level of cover widely available from most insurers. Not all insurers offer either of these levels of cover; esure do not offer either RTA or third party only insurance.
Third party insurance covers only the cost of fixing the other driver’s car, reimbursement for any damage that has been done to their property, and compensation for any injuries they have sustained if you’re at fault.
How does third party only compare with third party fire and theft and comprehensive policies?
As third party only insurance offers you the bare minimum cover to pay for costs a third party may have, it does not cover you for any damage your car gets in an accident. Please note that esure do not offer third party only insurance.
The next level of cover is third party fire and theft insurance. The cover offered by these policies is still fairly basic, but it will cover your car if it is damaged by fire or attempted theft, or if it is stolen. This is the lowest level of cover offered by esure.
Comprehensive insurance protects your car as well as any third party. You can also extend your cover with optional extras such as breakdown cover, and extra cover for legal expenses, such as Motor Legal Protection.
Is third party only the cheapest insurance to buy?
Third party only insurance can often seem like the cheapest option, but it’s always worth doing your research. You may find that another level of cover is more cost effective for you, or you may find that third party only suits you just fine.
Should I buy third party only car insurance?
Unfortunately, we can’t help you make a decision on this one, and it all boils downs to what you need. It’s good to consider your options carefully before you decide on the amount of cover you want.
Don’t forget if you have third party insurance alone or third party fire and theft you’ll receive nothing for your injuries if you’re at fault. So it’s not just your car that isn’t covered, you’re not either.
Of course, with comprehensive insurance, the cover you’d receive for your injuries is minimal if you’re at fault. If you added on Personal Injury Benefit, you would receive greater financial cover if you were at fault and injured in an accident, it would be limited to certain injuries.
Does esure provide third party only insurance?
No, we don’t provide third party only insurance. The lowest level of cover we offer our customers is third party fire and theft.
*Completed car claims in 2018