Third party coverages for private car owners

Augusta

Valued Contributor
Credits
$1.86850
With it comes to third Party Insurance Cover for Private Vehicles
this insurance doesn't grant insurance benefit for private car owners or their vehicles. This is mostly about the third party (Would be given to only the person/people and vehicle being affected by the insured car) while the insured was using his or her personal vehicle.

This means that the insurance company would only honour the claim if an insured was driving his or her personal insured car and not another car not insured.if it was another car not insured an accident occurred with a third party an insured can't make any claim as it will not be honoured.

So a third-party car insurance only covers for the following;

When a third party get injured or dead via the private car of the insured. if it wasn't the insured car there will be no cover.


Secondly, a claim is valid when there is a damage to the vehicle and related property of third party. The insured car must be present.

Thirdly If driver of the insured or the vehicle owner of insured vehicle dies

The policy will also covered If
the driver of the insured vehicle suffers from disability permanently

What do you think of this insurance coverage?
 
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