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Third Party Only

Get helpful information on Third Party Car Insurance.

Lloyds Bank Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What is Third Party Car Insurance?

Third Party Car Insurance is the most basic level of car insurance you can hold. It enables you to drive on public roads in the UK legally. This cover is designed to protect other drivers on the road in the event that you have a car accident. If you are found to be at fault, you will be covered against the cost of repairs to a third parties car or property.

What are the benefits of Third Party Insurance?

Features and benefits

  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK

Service you can trust

  • 24/7 online My Account - manage your car insurance policy online when it's convenient to you
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim

What is covered by Third Party Car Insurance?

Third Party Car Insurance is the minimum level of cover you can take out to enable you to drive on public roads. It meets the legal requirements and provides cover to third parties in the event of an accident or incident. However, it does not cover any damage to your car or property.

Table outlines the features of Third Party Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

  • Third Party damage

What is covered

  • damage to someone else’s car or property that’s been caused by your car following an accident or incident
  • driving abroad

What is not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

Please note that terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may also be affected. For more information please refer to the  Insurance Product Information Document: Third Party (PDF, 5.4MB).

 

Electric Cars

Our car insurance covers electric vehicles. You’ll get the following benefits:

 

  • Battery cover – whether your battery is leased or owned we’ll cover accidental damage, fire and theft
  • Cable cover – your charging cable is covered for accidental damage, fire and theft
  • Additional cover – with RAC Breakdown cover, all vans carry charging units to get you back on the road.


Some manufacturers may require you to have separate battery insurance.
 

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help.

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Get a quote by phone

If you'd prefer to speak to someone, call us to get a quote on 0330 018 1403.

Lines are open Mon-Fri 8am-8pm, Sat 8am-6pm, Sun 10am-4pm and Bank Holidays 9am-5pm. Calls and online sessions may be monitored and recorded.

 

Get peace of mind with optional extras

We offer additional cover options. You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:
 

Find out more about optional extras


Terms, conditions and exclusions apply.