What is Third Party Liability?

Third Party Liability protects you against legal claims for injuries or damage you may cause to others. It is a fundamental part of Car, Van, Home, and Landlord insurance, ensuring financial protection against potential lawsuits and compensation claims.

What does Third Party Liability cover?

Depending on your policy type, coverage includes compensation payouts, legal defence costs, and additional emergency-related expenses:

Car Insurance

• Covers legal liability if your car causes injury or property damage to others.

• Provides up to €30,000,000 in property damage coverage.

• Covers legal costs for defending civil claims, including up to €1,000 for legal services at inquests or defence against manslaughter/dangerous driving charges.

• Includes fire brigade charges up to €1,500 for incidents requiring emergency services.

Please note - This coverage description applies only to standard motor insurance. Telematics policies operate under separate terms and conditions and are not covered by the above details.

Van Insurance

• Covers legal liability if your van causes injury to others or damages their property.

• Provides up to €6,500,000 in property damage coverage for any accident involving your van.

• Covers legal representation for inquests and manslaughter/dangerous driving defence, but does not include a fixed legal cost limit of €7,500,000.

• Includes fire brigade charges up to €1,000 for incidents requiring emergency services.

• Covers towing your van to the nearest repairer if immobilized due to an accident or breakdown.

Home Insurance

• Covers liability for injuries to visitors on your property (e.g., slips, trips, or falls).

• Protects against claims for accidental property damage caused to neighbours (e.g., leaks or structural damage).

• Provides up to €3,000,000 in liability coverage, including for domestic employees (e.g., cleaners, gardeners, or home helpers) injured while working at your home.

Landlord Insurance

• Provides up to €3,000,000 in liability coverage for injuries or property damage caused to tenants, visitors, or neighbouring properties.

• Covers legal defence costs if a tenant or visitor makes a liability claim against you.

Who needs Third Party Liability insurance?

Everyone who owns a car or property should have Third Party Liability coverage to avoid potentially large legal and compensation costs.

• Car owners - Required by law to have third party coverage for legal protection.

• Van owners - Mandatory for all van owners using their vehicles on public roads, providing vital protection in case of accidents.

• Homeowners & landlords - Essential to protect against lawsuits from accidents occurring on the insured property.

How to ensure you have the right cover?

Check your policy documents to confirm the level of Third Party Liability included. If you need more information or want to enhance your coverage, visit 123.ie or contact our team at 01 524 6029.