The Right Insurance Cover for You - Is Third Party Best?

Third Party Only is often the cover of choice for new and inexperienced drivers as it offers cheap car insurance for people who don’t have any no claims discount. If you fall into this category there are a few points worth bearing in mind before making a choice, rather than making a decision based solely on saving money on your car insurance premiums.

Firstly, although Fully Comprehensive cover might prove expensive, remember that if you choose Third Party insurance you are covered only for injury to other people and damage to others’ cars and property. Injury to yourself or damage to your own car or property is not included. So if you do have a bump that is deemed by the insurance companies to be your’re fault, you’re on your own.

Also, inexperienced drivers are more likely to be involved in an accident than people with several years behind the wheel, and not necessarily with other vehicles involved or even with particular blame attached. All it takes is a panic reaction to a spot of black ice.

That said, if you are careful to avoid problems, you do save money by comparing as this is the cheapest car insurance UK motorists can have, and with Third Party protection you’re also insured if an accident arises from towing a trailer or caravan.

Third Party cover is also a popular low budget insurance choice with owners of relatively low value cars and is often most financially viable option. After all if you have an accident and the cost of getting your car back on the road would be more than the actual value of the car, there would be no point in a repair anyway. So if your car is worth, say, less than a thousand pounds, Third Party may well be the best for you.

If you are thinking of taking out Third Party, use The Comparisons to compare car insurance rates.

Is Fully Comprehensive Best? >>