When insuring a car, Third Party Insurance is the cheapest option. It is a basic Insurance, which includes the Compulsory Civil Liability coverage required by law in order to circulate. Although every time we find policy offers to Third Parties with more guarantees and incorporated services. That is why today we are going to really see what Third Party Car Insurance covers .

 Mandatory Insurance is normally associated with this type of car policy. However, insurers have long offered basic insurance that is cheaper , but that includes more benefits to attract their clients. The idea is to attract customers with these offers who do not want or cannot spend more money to insure their vehicle.

Although Third Party Insurance is not, in essence, a compulsory Civil Liability Insurance for automobiles that will respond in the event of an accident involving a third driver, for damages caused to this, in the event that the accident was caused by the driver of the insured car.

 

The Compulsory Insurance covers the Civil Liability of the driver and the owner of the car (even if they are not the same person) for the damages caused to third parties in a traffic accident that has been caused by the insured. 

When we talk about Third Party Damage , we mean:

Damages produced in other vehicles (such as dents and damage caused to other cars), damage to the property of other people (damage to walls, lampposts, street furniture, etc.) and wounds or injuries to animals run over.

It covers all kinds of injuries caused to other people involved in the accident, be they pedestrians, occupants of another vehicle or passengers of the insured car, with the exception of the driver.

It is important to highlight that the compulsory RC Insurance only covers the damages caused to the victims and that in no case will it compensate the person responsible for the accident for the own damages that may be suffered, either in their vehicle or in their own person.

For this reason, and to complement the Third Party Insurance, it is advisable to incorporate Driver Insurance in the policy, which at least offers coverage to the person behind the wheel of the car, regardless of their responsibility in the accident. If you are interested, we will tell you how Driver's Insurance works in cars .

If what we want is to protect the damages that the vehicle may suffer, then it would be necessary to level up (and also the price) and subscribe an own damage policy . Here you have more information about this Comprehensive Insurance . 

 

The Third Party Insurance Liability coverage offers quite a wide coverage. Our insurer will be responsible for paying compensation for material and personal damages caused by the insured in a claim, but up to a limit set by law.

Currently, the maximum amount of coverage varies depending on the damage caused:

In the case of coverage for personal injury and death compensation, the maximum amount per claim, regardless of the number of victims, is 70 million euros.

The coverage for damages to other vehicles and goods is covered up to a maximum of 15 million euros of compensation.

It is important to know the limits of the compensation, because if the amount contributed by the insurer was not enough to cover the civil liability of the driver and owner of the vehicle, he would have to personally assume the difference.

That is, if you do not have Voluntary Civil Liability Insurance , a complement to the Mandatory Insurance that includes practically all the main insurers. If you did not know it, this post on  RC Voluntary Insurance can be useful for you.

 

In addition to establishing limits on compensation, in Third Party Insurance there are various cases that are not covered by this policy. 

 For example, there are cases in which Compulsory Civil Liability Insurance does not cover damages to third parties when those affected are close relatives or personal objects of the insured and his family.

In addition, damages to the spouse's car or property corresponding to the Policyholder, Driver and Owner that appear in the policy would not be covered when they are different persons.

 

Other exclusions from Third Party Insurance have more to do with the circumstances surrounding the claim. In this way, accidents that have occurred as a result of the consumption of narcotic drugs or the alcohol rate is exceeded are excluded from coverage.

If the car has been stolen and the thief causes an accident, the insurer would respond, but would repeat against the driver for the damage caused in the accident.

As you can see, there are several cases in which the Mandatory Car Insurance does not cover. If you want to go deeper into the subject, this post on what Third Party Insurance does not cover will be very interesting. 

 

When insuring the vehicle, there are many factors that influence the choice of the ideal policy. But it is possible to establish a profile of the driver interested in purchasing basic insurance for your car .

The Automobile Insurance Third Party is often hire vehicles that already have a few years and does not deserve the punishment include guarantees covering the loss of the car, because its market value has shrunk over the years. 

They are also used in those cases in which the user wants to pay the least possible in the Insurance and prefers a cheaper policy, although their coverage is very basic.

We always bet on finding the best price, but without losing coverage that you may need at any given time. Third-party insurance is cheap and has the advantage that its guarantees can be extended and customized to suit the user's needs.

Therefore, we propose you to get a good cheap Car Insurance , with low prices and sufficient guarantees. Enter our online insurance comparator and ask us for a budget. We will contact you and find you a Third Party Insurance for the car with the protection you need.