Third party liability covers your legal responsibility for bodily injury and property damage caused to other people. It does not pay for any damage to your own vehicle, and it does not cover theft or fire affecting your car.
In more detail
If another driver is at fault and you hold only third party cover, your repairs are pursued against that driver's insurer rather than your own. That route works, but it depends on fault being established through the police report.
Third party is normally chosen for older vehicles where the owner accepts responsibility for their own repairs. It remains the legal minimum required to register a vehicle.
Conditions and exceptions
- Liability limits are stated in the policy wording and are not unlimited in every case.
- Some insurers offer a third party plus product with limited additional benefits; the terms vary.
Related pages
Important: The information on this page is general guidance about motor insurance in the UAE and is not a policy document or a guarantee of cover. Cover, benefits, exclusions, excess amounts and pricing differ between insurers and depend on your vehicle, driver profile and the policy wording issued to you. Always read the policy schedule and terms issued by the insurer before purchasing.