Third party car insurance is a form of car insurance cover that covers the damages to another vehicle that may be incurred if you have a car accident. Third party car insurance is the minimum legal requirement for drivers in Dubai and is essential to ensure that you are not left out of pocket in the event of an accident.

What does third party car insurance cover?

Car insurance companies offer varying coverage levels, however in general, if the insured driver is at fault, they usually need to cover the excess payment of the other vehicle as well. This type of car insurance is specific to the other vehicle(s) in an accident and does not cover damages to or losses of your own vehicle in the event of an accident.

Subject to the limitations of individual third-party car insurance policies, this type of plan may also cover death or bodily injury to any person in the vehicles involved in an accident, except for the insured individual. Third party car insurance may also cover damages for items and properties that were inside the secondary vehicle at the time of the accident.

Who would benefit from third party car insurance?

Third party car insurance comes in handy for individuals who do not want to insure their own vehicle, as perhaps their vehicle is older or low in value. However, these individuals want to minimize potential risks on the road and insure that in the event of an accident, the other vehicle is covered by insurance and they are not liable to pay these costs from their own pocket.

In the unfortunate event of a car accident, individuals without third party car insurance are required to cover the repair or replacement costs of the other vehicle if the accident was caused by their actions. Car repairs can be pricey and leave drivers with a huge financial burden.

How much does it cost?

Many people auto-renew their current car insurance policies without shopping around. If you do not have a need for comprehensive insurance cover, third party coverage might be the best option for you and save you money. If you are on the market for third party car insurance, visit Compare Insurance today. We provide you with a multitude of quotations from the top car insurance brands across Dubai so that you can compare and find the plan with the right level of coverage and that suits your budget.