Third Party Only is the simplest form of insurance cover that UK van drivers can get and is the minimum level of cover needed to legally drive on the road.
Third Party Only insurance provides you with the most basic cover which often means it is the cheapest option, although this isn't always the case.
What's included in a Third Party Only van insurance policy?
If you have an accident that was your fault and your policy is Third Party Only (TPO), your insurer will pay out for any third party costs incurred through damages or injury.
They will also cover the cost of any injuries caused to passengers in your van, although you and your van won't be covered.
Why choose Third Party van insurance?
Third Party Only policies cover you for less eventualities than a Comprehensive or Third Party, Fire & Theft policy, which means there are less times that your insurer might have to pay out.
Third Party policies can often be the cheapest option because of this but be careful -- it might mean you have to pay more in the long run, as your insurer won't cover the cost if your van is stolen, for example.
That's why it's so important to shop around in order to find a quote that suits you and with The Van Insurer we do all the hard work for you!
Is price most important when choosing van insurance?
Price plays a big part in choosing the right van insurance policy but it can be a bad idea to only focus on cost.
Third Party Only does not cover you if your van is stolen or in a fire, so if that happens to you and you need your van for business, the consequences could be massive.
Likewise, if you are in an accident that was your fault and your van is badly damaged, you will have no way of continuing to get to work.
Your van insurance should suit your needs and at the end of the day, while cost is obviously important, if you don't have the right level of cover to suit you and your needs, you could be left severely out of pocket if the worse comes to worst.
How do I get Third Party van insurance?
The Van Insurer compares quotes from some of the UK's top insurers so that you can save time and effort.