Third Party Liability Insurance

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Understanding Third Party Insurance

Third-party liability insurance, commonly known as third-party insurance, is a mandatory form of auto insurance that safeguards individuals against financial liabilities resulting from damages or injuries caused by the insured vehicle to third parties. It is a legal requirement in many jurisdictions, including the UAE, emphasizing responsible driving practices and ensuring financial protection for affected third parties. It specifically covers the policyholder's legal liabilities, including property damage and bodily injuries, but crucially does not extend to cover any damages incurred by the policyholder's own vehicle. This type of insurance is often a more economical option, providing essential protection while adhering to legal obligations and promoting financial responsibility on the road.

Benefits of Having Third Party Liability Insurance in UAE

Opting for third-party car insurance for your vehicle comes with a host of significant advantages:

  • Third-party car insurance provides comprehensive protection against liabilities arising from third-party involvement in the event of an accident.
  • Mandatory according to the RTA law, opting for third-party car insurance ensures compliance with legal requirements in the UAE.
  • By serving as a financial safety net, this insurance prevents individuals from depleting their lifetime savings to cover damages or liabilities.
  • Third-party insurance is known for its affordability, making it a cost-effective option for a wide range of vehicle owners.
  • Third-party insurance also extends financial assistance, ensuring absolute peace of mind for the policyholder in the event of third-party damage.

Scope of Coverage: Inclusions and Exclusions of Third-Party Liability Insurance

The basics

Learn more about third party insurance

Third Party Liability Insurance encompasses inclusions to safeguard against unforeseen events. Primarily designed to cover damages inflicted upon third-party vehicles by the policyholder, this insurance provides financial protection for the affected parties. Inclusions typically involve


  • Physical injury or loss of life of a third party.
  • Property damage

Here is a compilation of exclusions for third-party insurance in the UAE that is not within the coverage:


  • Vehicle replacement
  • Injuries or damages to the insured vehicle during an accident
  • Accidental death or injuries to the owner of the insured vehicle
  • Driving without a valid license
  • Intentional injury or damage
  • Losses due to natural disasters
  • Accidents caused under the influence of drugs and/or alcohol
  • Liabilities from contractual agreements
  • Damages caused by ongoing wars, war-like situations, nuclear risks, etc.


 Additionally, third-party insurance excludes coverage for intentional acts or incidents beyond specified geographical boundaries. Policyholders must be aware of these exclusions to make informed decisions about their overall insurance needs and consider additional coverage options for extensive protection.