Third Party Car Insurance

Get helpful information on Third Party Car Insurance.

What is Third Party Car Insurance?

Third Party Car Insurance is the most basic level of car insurance you can hold. It enables you to drive on public roads in the UK legally. This cover is designed to protect other drivers on the road in the event that you have a car accident.

If you are found to be at fault, you will be covered against the cost of repairs to a third parties car or property.

Important information: This type of cover does not protect your car or property if it’s damaged in an accident.

Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What are the benefits of Third Party Car Insurance?

Not sure if Third Party Car Insurance is right for you?  Here are the features and benefits that you can expect.

Third Party Car insurance at a glace

  • 60 Days European Union Cover – enjoy the same level of cover as you get in the UK.


Service you can rely on

  • 24/7 online My Account – manage your car insurance policy online when it’s convenient to you.
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim.

What’s covered with Third Party Car Insurance? 

Third Party Car Insurance is the minimum level of cover you can take out to enable you to drive on public roads. It meets the legal requirements and provides cover to third parties in the event of an accident or incident. However, it doesn’t cover any damage to your car or property.

What am I protected against?

What's covered?

What's not covered?

What am I protected against?

  • Third Party damage

What's covered?

  • damage to someone else’s car or property that’s been caused by your car following an accident or incident
  • driving abroad
  • Electric cars - Get accidental damage, fire and theft cover for your battery (whether your battery is leased or owned) and charging cable

What's not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Third Party (PDF, 209KB).

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help. 

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If you’d prefer to speak to someone, you can get a quote from a panel of insurers over the phone.

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holidays 10am-4pm.

0330 018 6312tel:03300186312

Optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

See optional extras

Terms, conditions and exclusions apply to all benefits. Normal Excess applies and No Claims Discount may be affected.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.