Third-party-only insurance generally does not pay to repair your own car after a collision. It mainly protects against covered liability to other people. This distinction matters even when your vehicle is essential for getting to work.

If you cause the accident

Your insurer may address covered third-party injury or property-damage claims, within the policy terms. Your own repairs will generally be your responsibility under third-party-only cover. Check separately if your product includes any additional named benefits.

If another driver is responsible

You may be able to pursue a claim against the responsible driver or their insurer. That is different from having own-damage cover under your policy. Liability, evidence and the other party’s cover must be assessed, so payment is not automatic.

If responsibility is disputed

Photographs, witness details, a factual account and any police documentation can help. Notify your own insurer promptly even if you expect the other party to pay. Avoid authorising settlements or signing releases without understanding the effect.

Decide before a loss happens

Compare the annual saving from third-party-only cover with the potential cost of losing your car. Ask for comprehensive terms and examine the excess. Choosing less cover is a financial decision that should be made with the possible repair bill in mind.

Frequently asked questions

What about fire or theft?

Third-party fire-and-theft, where offered, is a different product from third-party-only.

Will my insurer recover my repair money?

Ask what assistance is available. It is not the same as a guarantee that your own loss is covered.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

Can Someone Else Drive Your Insured Vehicle? · What Is a No-Claims Discount and How Does It Work? · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.