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What does motor third party Liability only insurance cover?



Third party Liability only insurance (TPL) offers you the legal minimum level of vehicle insurance cover, and is the most basic you’re able to get.

This kind of policy helps protect other people, other vehicles and other property in the event of an accident that was deemed to be your fault.

Say you drive into the rear of someone’s vehicle, causing damage to the bumper and injuring the driver. Your third-party motor policy would cover the cost of the other person’s vehicle, and medical expenses, up to the liability limit of your policy.

What isn’t covered, though, is damage to your own vehicle or any injuries you suffer. However, there are available options to give you, the driver, and your passengers some benefits. Please contact one of our expert advisors at Ascot & Fitch Insurance Brokers LLC to find out more.

In short, third party Liability only cover is the best way to ensure that, if someone suffers a road accident that isn’t their fault, their costs can be recuperated from the other parties insurance policy.

What is comprehensive motor insurance?



Comprehensive motor insurance is one of the higher levels of protection you can get for your vehicle insurance.

Third party liability only motor insurance policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own vehicle is for your own cost.

Comprehensive motor insurance policies, on the other hand, provide cover for damage to your vehicle as well, up to the sum insured for your policy.

Why should I consider comprehensive cover?

With comprehensive motor insurance, you can claim from your insurer for accidents that are deemed to be your fault, for repairs to your own vehicle, up to the insured value of the policy.

Without comprehensive cover, you risk having to pay out for repairs yourself. Worse still, if your vehicle is written off you’ll have to pay for a brand-new vehicle. While with a comprehensive motor policy, the insurer may pay out the insured value of your vehicle up to the policy value.

A comprehensive policy gives you that added level of protection and peace of mind that you won’t necessarily have to pay for expensive repairs – just your compulsory and/or voluntary excess.

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