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Third-Party Damage Insurance Products

Compare 134 products offered for Third-Party Damage Insurance from 51 companies including Victor Insurance, Pen Underwriting, and Liberty Specialty Markets.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. Not sure where to start? Our Frequently Asked Questions can explain the basics of Third-Party Damage coverage.

Compare Third-Party Damage Insurance Policies

Products 1 to 10 of 134
Product name Max Coverage Min Premium Exclusions
Roofers and Scaffolders by Touchstone Underwriting Ltd Max Coverage GBP10M Min Premium GBP8K
  • specific types of loss or damage (see specific policy wording)


more details
Proteus Marine Professional Indemnity Consortium by Canopius Max Coverage N/A Min Premium N/A


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Marinasure by Hiscox MGA Max Coverage US$50M Min Premium N/A


more details
Private Car by China Taiping Insurance (UK) Co Ltd Max Coverage N/A Min Premium N/A


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EnviroPro UK by AIG Max Coverage GBP40M Min Premium N/A


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Pollution Legal Liability by AIG Max Coverage GBP40M Min Premium N/A


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Hull Solutions by RSA Insurance Group plc Max Coverage GBP5M Min Premium N/A


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Narrowboat by Towergate Insurance Max Coverage GBP100K Min Premium N/A


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Canoes and Kayaks by Towergate Insurance Max Coverage GBP10M Min Premium N/A
  • scrapes while in transit
  • trailers
  • unsecure storage
  • wear and tear


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Motor Fleet by QBE Underwriting Ltd Max Coverage GBP20M Min Premium N/A


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Frequently Asked Questions

(click to expand)

What is Third Party Damage Insurance?

Third Party Damage, also known as Third Party Cover or Third Party Liability, is coverage for a first party (the insured) who has taken out an insurance policy with a second party (the insurer) to protect them in the case of a claim by a third party (any person making a claim). Essentially, the third party is someone who does not have any involvement with the contract between the first and the second party, but could be affected by it.

Who Is A Third Party?

In business terms, a third party claimant could be:

  • A customer
  • A client
  • A visitor
  • A supplier
  • A contractor
  • A member of the public

If any of the above are visiting, working on or passing through a premises owned by a business or individual, and they suffer an accident that was either directly or indirectly the fault of the owner of the premises, then they could potentially make a claim. The property owner, including surrounding areas, are liable if anyone suffers any loss or damage on their property.

In personal terms, a third party claimant could be:

  • A driver
  • A member of the public

If an accident is caused by an individual then they may be sued, but would be protected if they had taken out Third Party cover.

Who Needs To Be Insured Against Third Party Damage?

Third Party coverage can be purchased by business owners who have visitors, both personal and professional, on-site.

Third Party cover is also available for drivers (of cars, trucks and motorcycles). If a driver causes an accident then Third Party insurance will cover them for medical bills and repairs for the injured party.

What Does Third Party Damage Insurance Cover?

Third Party Damage typically covers the following:

  • Injury to people visiting a business premises
  • Loss or damage to property owned by people visiting business premises
  • Injury to another driver
  • Damage to the vehicle of another driver

What Is Not Included In Third Party Damage Insurance?

Third Party cover is mainly concerned with damage or injury caused to a person other than the policyholder, or person they are responsible for. Therefore Third Party Damage dies not typically include:

  • Damage to own property
  • Bodily injury of policyholder
  • Loss or damage caused to employees and/or their property
  • Loss or damage caused to family members and/or their property

External factors may also be excluded from certain Third Party insurance policies, such as:

  • Acts of war
  • Terrorism
  • Radioactive activity
  • Asbestos
  • Natural disasters

All of the above may be included in more inclusive General Liability or Property Damage policies.

How Is Insurance Against Third Party Damage Sold?

Third Party coverage is not typically a standalone insurance product. It is usually sold as an add-on or extensions to broader insurance policies such as:
  • Commercial General Liability
  • Public Liability
  • Auto
  • Personal Liability
  • Property Damage

How Much Is Insurance Against Third Party Damage?

The overall cost of covering Third Party Damage will vary considerably depending on the age of size of the business, location, claims history and any other factors. If there has been a previous claim then the cost of the premium will increase.