What third-party liability covers
Third-party liability covers damage you cause to another party, meaning anyone other than yourself and the insurer: an injured pedestrian, a damaged vehicle, a damaged neighbouring home. It compensates the victim, within the cap set by the contract, not you for your own damage.
Why it is often mandatory
In several countries of the sub-region, car third-party liability is a mandatory guarantee before driving a vehicle, governed by the CIMA code and national regulations. Driving without this guarantee exposes you to penalties and leaves all damage caused to a third party as your own responsibility.
What it does not cover
Third-party liability does not cover your own damage: not your vehicle, not your home, not your injuries if you are the only party involved. For these situations, a separate guarantee is needed, such as comprehensive cover for a vehicle or a property damage guarantee for a home.
Third-party liability across several products
Third-party liability is not limited to cars. Home insurance most often includes third-party liability for damage caused by the home to a neighbour or a third party, for example a water leak. A professional activity may need its own third-party liability, separate from an individual's. Each product has its own rules, stated in the offer's conditions.
Comparing offers that include third-party liability
On AssurMatch, third-party liability appears among the guarantees shown for each offer of the relevant product. It is present in almost all car offers; for other products, check it case by case before comparing.