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Third party car insurance

Compare third-party car insurance

  • Find affordable cover for your car
  • See prices from a range of insurers
  • It’s fast, free and easy!

 

 

Compare cheap car insurance from over 110 providers

We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover.

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Geographic restrictions apply – England, Scotland & Wales only. Participating garages only. T&Cs apply.

What is third-party car insurance?

Third-party car insurance, sometimes known as third-party only, is the minimum level of cover you need to drive on UK roads. It offers the most basic level of protection, covering injuries or damage you cause to another person, their vehicle or their property. 

Third-party policies won’t however provide any cover for you or your car, which means you’ll have to pay for any damage yourself.

What is covered by third-party car insurance?

The specific level of cover you’ll get is likely to depend on your provider, however third-party car insurance policies generally offer similar protection.

  • What is covered?

    • Injury to a third party - including passengers in your car
    • Damage to a vehicle belonging to a third-party
    • Damage to a property belonging to a third-party
  • What isn't usually covered?

    • Damage to your own vehicle if you were responsible for an accident
    • Damage to your own vehicle caused by theft, fire or an explosion
    • Pay outs for medical costs or rehabilitation if you are injured

What's the difference between third-party and fully comprehensive car insurance?

While a third-party car insurance policy only offers the minimum level of cover, a fully comprehensive policy is the opposite – it providers the most protection of all options you’ll have. This means it includes everything under third-party insurance, as well as all the cover you’d get in a third-party, fire and theft policy – and cover for anything else you might need too.

The extras are more likely to be included as standard in fully comprehensive policies – such as wrong fuel or lost keys cover – but not always, so you might need to pay extra for certain levels of protection.

Why get third-party car insurance?

Third-party car insurance might offer the least cover out of all available options, but it still might be useful in certain situations.

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    Low value car

    It might not be worth insuring your own vehicle against damage as the cost of repairing is probably more than the car is actually worth 

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    You can afford repairs

    Similarly, if you can afford to pay for repairs yourself then you might only need to worry about insuring against damage to third parties

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    You're likely to claim

    If you’re more likely to claim for damage you cause, the cost of each individual claim might work out cheaper as the risk costs are built into the higher premiums 

How much is third-party car insurance?

Third-party car insurance is usually the most expensive type of car insurance policy available – however like all other policies it does get cheaper as you get older. Remember car insurance premiums are based on a range of factors, including your driving history; the insurance group, make and model of your car; where you live and even what job you have.

Age

Average premiums for third-party cover*

17 to 19

£3,170

20 to 24

£2,062

25 to 29

£1,513

30 to 39

£1,205

40 to 49

£868

50 to 64

£603

65 or Above

£427

*MoneySuperMarket data, collected between January and June 2021.

Why is third-party car insurance so expensive?

Third-party car insurance, though it offers the least coverage of all your options, is usually also the most expensive type of policy. This may seem counter intuitive, but it did actually used to be the other way around.

For some time, third-party cover was the cheapest option – as such, it was frequently taken out by high risk drivers looking to lower their premiums. This meant that more and more claims were made on third-party policies.

Insurers noticed that third-party policy holders were statistically more likely to make a claim, so raised the premiums for this type of cover.

What do you need to get a quote?

  • Tick icon

    Details of the car

    If you own your home outright, or are currently paying off a mortgage. You’ll be responsible for both the physical structure of your home and any belongings you have on the property

  • Tick icon

    What you'll use the car for

    If you’re a private tenant in a rental property. You’ll only be responsible for your own belongings – you won’t need to take out buildings insurance as that will be up to your landlord

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    Your details and your licence

    If you own a property and you’re renting it out. You’ll be legally responsible for the property’s condition, but will only need to cover the building and contents you provide

  • Tick icon

    No claims discount history

    If you’re living in student accommodation, usually with other students. You might be covered by a parent or guardian’s home insurance policy, but this isn’t always the case


 

Sara Newell

Our expert says

"You might not expect third-party to be the best type of cover for you, but there are certain times it can be more beneficial. This is why it’s so important to compare car insurance quotes – you never know when you could find a better deal."

- Sara Newell, Motor and Van Insurance Lead

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Why compare car insurance quotes with MoneySuperMarket?

Our mission is to make it effortless to find cheap car insurance quotes, so you can get on with enjoying the open road.

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    Speedy and simple

    Just pop in a few details about yourself, your car, and the cover you need

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    See your savings

    We’ll do the legwork to find the cheapest car insurance that offers the cover you need.

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    Never miss a renewal

    With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal date


 

Compare other car insurance products

You might want to consider other types of car insurance – MoneySuperMarket offer comparisons for a range of policies, including:

  • map icon

    Third-party, fire and theft

    The next step up from third-party cover, this adds protection for your car if it’s stolen or damaged by fire

    Get a quote

  • briefcase icon

    Fully comprehensive cover

    The most complete level of cover available, this includes a range of extra protection for your vehicle

    Get a quote

  • calendar icon

    Temporary car insurance

    Temporary car insurance is useful if you aren’t using your vehicle every day, or for just a short part of the year

    Get a quote

  • Multi-car icon

    Telematics car insurance

    Telematics cover is designed to help young and high risk drivers earn lower car insurance premiums by driving well

    Get a quote

Third-party car insurance won’t cover you if your car is stolen or broken in to – you’ll need at least third-party, fire and theft cover for this.

Third-party, fire and theft is the next policy up from third-party only. It adds cover for your own vehicle if it’s stolen, broken into or damaged as a result of a fire or explosion.

 

You may be able to add some extras to your third-party policy, but it will likely increase the cost. Buying a fully comprehensive policy will probably work out cheaper, and you may get some extras included as standard.

 

If you’re involved in an accident, third-party cover will offer a pay out for the cost of injuries sustained by the third-party, and any damage done to their vehicle or property. However, you’ll be left to tend to your own vehicle’s repairs yourself, and you won’t be able to claim for things like compensation, legal fees or physiotherapy costs.

Explore more car insurance

Car insurance guides - Car insurance providers

 

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