Third party motor vehicle insurance provides coverage for claims made against you, your drivers, if someone else at the wheel or the registered owner of the vehicle. The Highway Code states that you are required to have a certain minimum amount of coverage. All policies of the United Kingdom offers car insurance ?coverage of a third party? or more, provide better protection than the law requires. Just as ?third parties only,? ?third fire and theft? or ?global?, have this section.
If you cause an accident to your insurance company are to blame, for all sums of money to these people (the third), which are killed or injured or whose property you damage etc. This where you pay all legal costs incurred by the victim incurred or your own lawyer.
The whole issue of liability insurance coverage is more complex, if you are a passenger in your own vehicle and driven by someone else. Assuming the driver is authorized to drive it, then it is the other person protected by this part of the policy and not you. Your insurance will list those who are insured, are driving the vehicle, for example, the names of drivers, passengers, of the employer. So if you, as a passenger, by the misconduct of the person was driving a car are injured, you have the legal right to demand compensation from the driver. Thus, in this situation, you would ?compensate? for your insurance to drivers who do not. It was claimed at the end (and almost certainly win) damages from the driver on your own third party. Remember that it works both ways. In the above scenario, if the driver were killed or injured in the behavior of your policy, there would be no liability on your insurance.
Unfortunately, marginally, who was behind the wheel, you can not claim compensation for accidents on your vehicle under this section.
If a thief takes the car and causing an accident (an event too often) that protect a part of politics is you, as owner of the vehicle, caused against any claims for injuries or damages caused by the thief. It seems so unfair ? after all it was the thief, who was to blame, but we will lose our bonus-malus due to something completely outside our control. Remember, we are interested in the law. The intention is to ensure that we are innocent victims, the damage to their property or personal injury to compensate for suffering caused by a stolen car. Which car thief has the money to pay those damages? It is therefore possible, in reality, take the victim to claim your policy.
Source: http://www.xjwsy.com/car-insurance-an-explanation-of-uk-third-party-motor-insurance
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