Third Party Auto Insurance

Third Party Auto Insurance.

A third party auto insurance is a is a liability insurance purchased by an insured (the first party) from an insurer (the second party) for protection against the claims of another (the third) party. The first party is responsible for its own damages or losses whether caused by itself or the third party.

Simply put, third party auto insurance covers only those you are involved in a collision/crash with, it does not care whether your own vehicle is smashed to dust, one then will wonder why anyone will want to opt in for this kind of insurance policy since mostly your vehicle will not leave a collision scene scratch-less (to say the least).

The reasons are not far fetched , it is mandatory by law that all motorists carry an insurance , and the least of which is the third party , this makes sense since the law can step in to protect your fellow motorists on the road from you if a damage occur to their vehicle due to your fault, but may choose to or not to do so (depending on what kind of insurance you purchase) for you. This is the chief reason why the third party is famously referred to as "oga let me pass".

Having explained the need for a third party auto insurance is borne out of its mandatory nature rather than a generous feelings for fellow motorist, most people buy this plan for its cheapness , and if you do a basic comparison on a site like, you will find it can even be cheaper.

What are you then still waiting for? , fill in your basic details in the form here and get free quotes instantly!