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Third party only car insurance

Compare third party only (TPO) car insurance and find a basic cover policy that suits you

What does third party only insurance cover?

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.

third party only insurance

What doesn’t it cover?

Damage to your own car, or injury to yourself, isn’t covered if an accident’s your fault.

  1. Repairs and replacement cover

    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

  2. Personal injury

    If you're injured, you would have to cover any time off work and wouldn’t be compensated for serious injury

  3. Uninsured driver cover

    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

  4. Personal belongings cover

    If you leave your belongings in the car and it gets broken into, TPO wouldn’t cover them

  5. Driving another car

    You won’t be able to drive another persons’ car with just TPO insurance

Join over a million customers with free £250 excess cover^

What’s an excess? It’s the amount of money you agree to pay towards a claim when you take out insurance.

Don’t worry – GoCompare will refund up to £250 of your excess^ if you do need to claim.

We’ve already refunded £1 million* to customers!

Claim your free £250 excess cover >

^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

*Between July 2019 and November 2020, £1M has been refunded to free excess cover customers following a successful claim.

excess cover for car

Alternatives to third party only cover

  • Third party, fire and theft

    Cover for more eventualities, but this insurance still won’t repair or replace your car in a fault claim.

    Find out more
  • Comprehensive

    Cover for you and your car, even if an accident’s your fault.

    Find out more

Is third party only insurance the cheapest cover?

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.