Third party only (TPO) car insurance is the most basic car insurance you can lawfully buy in the UK.
It covers you for accidentally causing injury to others, damage to third party property and liability while towing.
Damage to your own car, or injury to yourself, isn’t covered if an accident’s your fault.
TPO insurance won’t cover the cost of repairing or replacing your car after fire, flood, damage, vandalism or theft, accidental or otherwise
If you ever have an accident, it could get very expensive
If you're injured, you would have to cover any time off work and wouldn’t be compensated for serious injury
If you’re hit by an uninsured driver you could lose your no-claims discount and pay the excess, on top of paying for the repairs and replacements for your car, even if it wasn’t your fault
If you leave your belongings in the car and it gets broken into, TPO wouldn’t cover them
You won’t be able to drive another persons’ car with just TPO insurance
TPO insurance policies have the legal minimum level of cover, but they won’t necessarily be cheap.
Insurers base their prices on past claims and because TPO policies historically have a higher number of claims against them these policies can be more expensive than comprehensive insurance in some cases.
The only way to check whether TPO is cheaper for you is to compare all types of cover.
Compare with us and you can see quotes for TPO, third party fire and theft and comprehensive insurance with a single search. It’s that simple.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
*Average cost of annual car insurance by policy type purchased in May 2019 via GoCompare