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Third party car insurance

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Compare third party car insurance from £1,510/year** & get Meerkat Meals & Meerkat Movies*

Compare third party car insurance from £1,510/year** & get Meerkat Meals & Meerkat Movies*

Compare third party car insurance from £1,510/year** & get Meerkat Meals & Meerkat Movies*

Update your previous quote
Update your previous quote

Compare third party car insurance from £1,510/year** & get Meerkat Meals & Meerkat Movies*

**50% of people could achieve a quote of £1,510.00 per year for their third party car insurance based on Compare the Market data in May 2020.

What is third party car insurance?

Third party car insurance offers the legal minimum level of car insurance. It can cover you if you damage another person's car or injure someone while you're driving, including your own passengers. If an accident is your fault, you won't be covered for your own injuries or any damage to your car.

What is third party, fire and theft cover?

Third party, fire and theft insurance offers the same cover as third party insurance, but can also cover you if your car is stolen or damaged by fire.

It gives you more cover than a basic third party policy, but not as much as comprehensive insurance. Third party fire and theft can be a good option if your car is relatively cheap and straightforward to repair.

Third party fire and theft insurance typically covers:

  • third party damage costs to another person’s vehicle, property or injuries
  • the cost of repairing your car if it’s damaged by fire, whether it was accidental or arson
  • the cost of replacing your car if it’s stolen and can’t be recovered
  • the cost of repairing damage to your car after theft or attempted theft.

Some third party, fire and theft policies also cover car audio, sat nav and entertainment systems if they’re stolen or damaged because of theft or fire.

Just like third party only, third party, fire and theft won’t cover any damage to your vehicle caused by a crash.

What does third party insurance cover?

Third party insurance can cover third party costs in the event of a car insurance claim. Third party refers to another person who is not you.

Third party insurance typically covers:

  • damage to another person’s property – for example, if you crash your car and damage someone’s wall
  • injury to a passenger or driver of another car
  • injury to a passenger in your car
  • damage to another person’s vehicle if you’re involved in a road accident.

What isn’t covered by third party insurance?

Typically, third party insurance won’t cover:

  • damage to your own vehicle – you’ll need to pay for repairs
  • repair or replacement costs if your car is stolen, broken into or damaged by fire
  • medical costs if you’re injured, such as physiotherapy.

What are the benefits of third party cover?

If your car isn’t worth much, it could be more economical to take out third party cover, as the cost of getting it repaired could be more than its actual value.

Alternatively, if repairs to your car are fairly cheap and straightforward, or you think you can cover the cost of repairs yourself, you might feel that a higher level of cover isn’t really worth it.

Third party insurance could work for you if your car is worth very little. But the cost of your insurance depends on lots of other factors, such as the area you live in or whether you have any no claims bonus.

Frequently asked questions

What is third party fire and theft?

Third party fire and theft insurance offers the same cover as third party insurance, but also covers you if your car is stolen or damaged by fire.

Is third party insurance always the cheapest?

No. People often assume third party insurance will be the cheapest as it offers the least cover. But that isn’t always the case.

The cost of your premium will depend on your personal circumstances. For example, how old you are and where you live. It will depend on the make and model of your car, what insurance group it’s in, how much it’s worth, and how many miles a year you drive.

Why are third party policies often more expensive than comprehensive policies?

Insurance providers assume that people who take out third party policies are more likely to make a claim, which is why they often charge them more.

Why compare third party insurance with Compare the Market?

We independently compare third party car insurance deals from 123^^^ of the UK’s most trusted insurance providers. We’ll show you policies based on price, add-ons or payment terms, helping you compare policies based on your needs.

^^^Correct as of May 2020.

What are the average costs of the insurance options?

We can tell you how much third party insurance costs our customers, on average. Based on our latest data:

For third party car insurance, 50% could achieve a quote of
£1,510**

For third party, fire and theft, 50% could achieve a quote of
£933***

For comprehensive cover, 50% could achieve a quote of
£615****

**50% of people could achieve a quote of £1,510.00 per year for their third party car insurance based on Compare the Market data in May 2020.

***50% of people could achieve a quote of £933.00 per year for their third party fire and theft car insurance based on Compare the Market data in May 2020.

****50% of people could achieve a quote of £615.00 per year for their fully comprehensive car insurance based on Compare the Market data in May 2020.

Why are third party policies often more expensive than comprehensive policies?

People often assume third party insurance will be the cheapest as it offers the least cover. But that isn’t always the case.

Insurance costs are calculated on risk. Insurance providers work on the assumption that people who take out third party policies are more likely to make a claim. This is why they often charge them more.

The cost of your premium will also depend on your personal circumstances. For example, how old you are and where you live. The make and model of your car, what insurance group it’s in, how much it’s worth, and how many miles a year you drive will also make a difference.

What do I need to get a quote?

To start a quote, you’ll need to give us a few details about:

  • your vehicle
  • how you use your vehicle – eg, your annual mileage, where you park overnight
  • your personal details, including address, age and employment status
  • any claims or convictions
  • how many years of no claims discount (NCD) you have
  • the type of cover you’re looking for.

Once you’ve completed our online form, we’ll show you a list of suitable quotes to compare.

Start a quote

Daniel Hutson

From the Motor team

“Shopping around and comparing different levels of cover will give you a clearer idea of what you can get for your money.

Using our comparison tool, you’ll be able to easily compare third party prices with those of third party, fire and theft and fully comprehensive cover. You can also choose to add any optional extras to see how the prices vary, and tailor your cover to suit your needs.”

Why use Compare the Market?

5 minutes^^ to get a quote

We compare 123^^^ car insurance products

93.2%^^^^ of customers found our prices competitive or very competitive

^^On average it can take less than 5 minutes to complete a car insurance quote through Compare the Market based on data in May 2020.

^^^Correct as of May 2020.

^^^^For the period 1st March to 31st May 2020, 4,938 people responded to the statement “I think the prices provided by CtM are….” 4,604 responded with ‘competitive’ or ‘very competitive’ (93.2%).

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