Third Party Insurance

Third party insurance offers protection if you are involved in a collision where you injure someone else and/or damage their property and they decide to make a claim against you. Third party insurance is mandatory for car drivers, but for cyclists this is left up to the individual. It may not seem as if you and a bicycle could do much damage to another person’s vehicle or property, but you could find that a little dent on an expensive car could cost your dearly. Injury to another person can be even more expensive. The cover offered by most insurance companies will be at least one million pounds for damage or injury. Some insurance companies offer third party insurance as part of their theft insurance policy.

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