Third party only car insurance covers the policy holder against damage to a third party or their property.
Its illegal if you permit someone else to be in charge of the motor when forgoeing motorvehicle policy coverage.
If you are ever unfortunate enough to be involved in an accident be sure to exchange
contact details with the other driver including addresses, model, and insurance companies.
The underwriters excess is the bit of the insurance claim that the car owner will return independently then whats remaining is paid up for by the organisation.
The car owner could actually ask for a an insurance quotation with a greater excess to check if it reduces
the policies cost.
