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.
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.
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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).
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:
- Guaranteed Replacement Car
- RAC Breakdown Cover
- Motor Legal Protection
- Keycare Cover
- No Claims Discount Protection (NCD)
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.