Third-party liability (TPL) car insurance is the most basic and affordable coverage option in the UAE, but do you know what it actually covers and more importantly, what it doesn’t? While it meets the legal requirements for driving, many UAE drivers assume they’re fully protected when, in reality, TPL has significant limitations. Before you hit the road, let’s break down the fine print and help you decide whether third-party insurance is right for you.
What Does Third-Party Liability Car Insurance Cover?
Third-party liability insurance is designed to cover damages and injuries caused to others but not you or your car. Here’s what it typically includes:
-
Damage to another vehicle. If you cause an accident, your insurer will cover the repair costs for the other party’s car.
-
Injury to a third party. Medical expenses for injuries sustained by the other driver, passengers, or pedestrians are covered.
-
Legal liabilities. If the accident results in legal claims or compensation payouts, your insurer will handle them within policy limits.
What Third-Party Liability Insurance Does Not Cover
-
Your own car repairs. If your car is damaged in an accident, even if it’s not your fault, you’ll have to pay out of pocket.
-
Your medical bills. Unlike comprehensive insurance, TPL doesn’t cover medical expenses for you or your passengers.
-
Theft or fire damage. If your car is stolen or catches fire, you won’t receive compensation.
-
Natural disasters or vandalism. Damage caused by floods, sandstorms, or vandalism isn’t covered.
Is Third-Party Insurance Right for You?
While third-party car insurance is the most affordable option, it’s important to weigh the risks. If you drive an older car or rarely hit the road, it might be enough. But if you have a new or high-value vehicle, comprehensive insurance is a smarter investment, offering full protection for both you and your car.
Ready to get covered? Visit Shory.com and secure your policy instantly.
