By law, you must have vehicle insurance to drive in the UK, and a third party policy is the minimum amount of cover you can get.
Third Party Only insurance (TPO)
Third Party Only protects against any damage or injury you cause to any other person, vehicle, animal or property. It's unlikely that you'll be covered for repairs to your vehicle in the case of an accident.
Third Party, Fire and Theft (TPFT)
Third Party, Fire and Theft usually covers everything that third party only insurance does, but with added protection against:
- The theft of your vehicle
- Your vehicle being damaged or destroyed in a fire