Third-party coverage offers you the legal minimum level of car insurance cover, and is the most basic you’re able to get.

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

For example, say you drive into the rear of someone’s car, causing damage to the bumper and injuring the driver. Your third-party insurance would cover the cost of the other person’s car ​and expenses resulting from their bodily injury or death.

What isn’t covered, though, is damage to your own car or any injuries you suffer. For that, you’d need a C​comprehensive insurance policy. Otherwise those costs are on you.