Third Party Car Insurance

Bank of Scotland Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What is Third Party Car Insurance?

Third Party Car Insurance is the most basic level of car insurance you can hold. It enables you to drive on public roads in the UK legally. This cover is designed to protect other drivers on the road in the event that you have a car accident. If you are found to be at fault, you will be covered against the cost of repairs to a third parties car or property.

Important information: This type of cover does not protect your car or property if it’s damaged in an accident.

What are the benefits of Third Party Car Insurance?

Features and benefits

  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK

Service which is by your side

  • 24/7 online My Account - manage your car insurance policy online when it's convenient to you
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim

What is covered by Third Party Car Insurance?

Third Party Car Insurance is the minimum level of cover you can take out to enable you to drive on public roads. It meets the legal requirements and provides cover to third parties in the event of an accident or incident. However, it does not cover any damage to your car or property.

Table outsides features of Third Party Car Insurance

What am I protected against?

What is covered

What is not covered?

Ready to apply?

What am I protected against?

  • Third Party damage

What is covered

  • damage to someone else’s car or property that’s been caused by your car following an accident or incident
  • driving abroad
  • battery cover- whether your battery is leased or owned we’ll cover accidental damage, fire and theft
  • cable cover- your charging cable is covered for accidental damage, fire and theft

Some manufacturers may require you to have separate battery insurance.

What is not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

Ready to apply?

Get a quote


Log in and get a quote

Call us to get a quote on: 0330 018 2884

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holiday’s 10am-4pm.

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Third Party (PDF, 210KB).

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help.

Car Insurance optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Guranteed Replacement Car Cover
RAC Breakdown Cover
Motor Legal Protection
Keycare Cover
No Claims Discount Protection (NCD)

Find out more about Car Insurance upgrades

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. 

Person sitting in a parked car, looking at their phone

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.