The basic option, a 3rd party policy covers injury to passengers in your car and damage to other vehicles. It will typically cover any emergency medical costs too, although it is unlikely that any ongoing costs will be included in the policy.
Furthermore, broken windows, overheating engines and theft or damage to property within the car all usually fall outside the scope of the cover.
As it is the basic option, 3rd party cover is also generally the most affordable, so might be a good idea for newly qualified drivers, students or those in a high-risk category such as young males. However, if you know you are at risk of needing to make a claim, it may be worth spending a little extra and ensuring you get the cover you need.
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