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Protect Your Journey: Choosing the Right Third Party Car Insurance

Car insurance is become so expensive that many people, especially younger people, can no longer afford it. However, there are ways to keep the cost of car insurance to a minimum. One of the most reliable ways of cutting down costs is to get a third party policy. A third party only policy is the cheapest type of cover you can get and while it doesn’t protect your own vehicle, it will make it road legal.

You can get third party car insurance quotes now by clicking the green button. Keep reading if you want to find out more about third party insurance, such as ways to save money and FAQs.

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Did you know…?

Third party only insurance is the cheapest level of cover you can get.

Why Third Party Car Insurance Is A Good Choice

Third party car insurance is a good choice if you want to keep the cost of your insurance to a minimum. It’s particularly good for young drivers since fully comprehensive cover can be very expensive for people in this group.

Third Party Car Insurance - Insurance Options

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

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Did you know…?

Although third party only insurance is certainly cheaper, there are other factors that affect cost, such as your age, location and occupation.

Why You Should Get Third Party Car Insurance Quotes

You’ll find some great reasons to get Third Party Car Insurance quotes below.

  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.

Additional Cover Options For Third Party Car Insurance

Some additional cover options for Third Party Car Insurance are –

  • Personal Accident Cover: In the unfortunate event of a serious accident, this cover provides financial support for you or any named driver, in case of certain injuries.
  • Key Cover: Ever lost your keys or had them nicked? This cover handles the cost of replacement, and even foots the locksmith's bill.
  • Foreign Use Cover: Planning a road trip abroad? This gives you the same level of cover as back home, giving you one less thing to worry about.
  • Excess Protection Cover: This takes care of your excess cost if you need to make a claim, meaning you won't be digging into your own pockets when you least expect it.
  • No Claims Discount Protection: This ensures your no claims discount stays untouched even if you make a claim, helping you keep your premiums low in the future.
  • Breakdown Cover: This add-on provides roadside assistance whenever your car decides to take an unexpected break, giving you peace of mind on every journey.
  • Windscreen Cover: Protects your windscreen from any unexpected damage, ensuring your view of the road is always top-notch.
  • Legal Cover: If you find yourself in a legal dispute due to a road incident, this cover gives you financial protection against any legal costs.
  • Misfuelling Cover: Accidentally filled up with the wrong fuel? This protects you against any resulting repair costs.
  • Uninsured Driver Protection: This ensures you're not left picking up the tab if an uninsured driver hits your vehicle, covering your excess and keeping your no claims discount safe.
  • Courtesy Car Cover: If your car needs a bit of TLC after an accident, this cover makes sure you're not left without wheels, providing a courtesy car.
  • Child Car Seat Cover: After an accident, this cover provides funds to replace any child car seats, even if they don't appear to be damaged.

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Did you know…?

Getting quotes from several providers is always recommended no matter what level of cover you're looking for.

How to Save Money OnThird Party Car Insurance

Below are some great ways to save money on Third Party Car Insurance

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Compare Third Party Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

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Third Party Car Insurance FAQs

Is third party insurance the cheapest option?

Yes, third party only cover is the lowest level of insurance you can get while still ensuring your car is road legal.

Is the level of cover I get the only thing that matters?

No, insurance providers take several other things into account when calculating a price. The main ones are your age, location, driving experience and occupation.

Are there other ways to save money on a third party policy?

Yes. Some good ways to get costs even lower are –

  • Paying for the policy upfront
  • Increasing excess on the policy
  • Getting a lot of quotes

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