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Finding third party car insurance is easy, but is it worthwhile? If you are going for cheap car insurance then third party only cover is it, full stop, and there are reasons aplenty why people opt for third party cover as opposed to third party fire and theft or comprehensive insurance. The main reason to go for it is about cost as cost comes into everything in the insurance industry, cost and risk are the two main keywords. But the cost of the premiums isn't everything as you have to weigh up the risks of third party only cover, knowing that if your car is involved in an accident which is your fault, or one where no one is to blame then you stand the repair bill rather than the insurers. Similarly, if your car is stolen then you have zero comeback on the insurers either, and the same applies if the beast catches fire one dark night - you get zilch. So is it worth it knowing all the above? Well yes, it can be if your car is a banger, or if you have a bad driving record and the yearly premiums are more than the car is worth, and believe me, there are lots of cars and drivers on the road to which that statement applies. But on the other hand, just suppose that you have an accident which is your fault and you are badly injured - third party only car insurance won't help you then, you are firmly on your own when there is nobody else to blame and claim from. We are not an insurance company and nor are we qualified to give advice on insurance matters, other than commonsense applications that is, but were we asked to make a comment we would undoubtedly suggest upgrading from third party car insurance mto third party fire and theft or comprehensive cover if you can afford it.

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