Third party car insurance


Minimum Insurance Cover For Female Drivers

In 1930 the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance. Today UK law is defined by the The Road Traffic Act which was last modified in 1991.

Third Party Damages

The Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other persons property resulting from use of a vehicle on a public road or in other public places. This is called Third Party Insurance. It is an offence to drive your car, or allow others to drive it, without at least Third Party insurance.

The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The Law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.

Third Party Insurance Policies are the lowest form of cover that insurance companies sell. They are appropriate for low value vehicles and usually cover:


Please Remember:

When driving a vehicle as part of a "Driving Other Cars" policy, cover is limited to third party only, even if you have comprehensive cover on your own vehicle.

For a slightly higher level of protection, read more about:
Third Party Fire & Theft Car Insurance.

For peace of mind, and higher value vehicles, read more about:
Comprehensive Car Insurance.