Third Party Only Insurance

What is Third Party Only Insurance?

Third party only (TPO) insurance is the most basic level of car insurance required by law. It covers damages you cause to other vehicles or property but does not provide any coverage for your own car, including theft or fire damage.

Key Features

• Covers damage to third-party vehicles and property
• Required minimum level of car insurance by law
• Does not cover your own vehicle under any circumstances
• Generally the most affordable insurance option

What's Covered?

• Damage to third-party vehicles and property
• Legal costs for third-party claims
• Injury to third parties caused by your vehicle

Common Exclusions

• No coverage for damage to your own car
• No protection against theft or fire damage
• No coverage for personal belongings inside the car
• Driving under the influence or illegal activity

Advantages of Third Party Only Cover

• Most affordable car insurance option
• Meets legal requirements for road use
• Good option for older, low-value cars
• Suitable for drivers who want minimal coverage

Limitations to Consider

• No coverage for your own vehicle
• No protection against theft or fire
• Limited financial security in case of an accident
• Potentially higher long-term costs if involved in accidents

Is Third Party Only Insurance Right for You?

Third party only insurance might be suitable if:

• You want the cheapest legal insurance option
• Your car is old or of low value
• You're comfortable covering your own repair costs
• You only need basic third-party protection