How to lower the price of your Third Party Liability

Third-party liability cover is mandatory for every car, but its price is far from fixed. It depends on a combination of factors — and the gap between the most and least expensive quote for the same car often exceeds 30–40%.

What affects the price

• Your no-claims class — years without an at-fault accident earn a discount, every claim reduces it.
• The driver’s age and experience — younger, less experienced drivers usually pay more.
• The car’s engine power and type.
• The region of registration — busier cities are typically more expensive.

5 practical tips for a lower price

• Compare offers from every insurer at each renewal — prices shift from year to year.
• Keep your no-claims class clean by avoiding small claims worth less than the discount you’d lose.
• Pay annually if you can — instalment plans usually carry a surcharge.
• Check for a discount when you hold more than one policy with the same insurer.
• Work with a broker — the comparison costs you nothing and takes them minutes.

The best time to compare offers is about a month before your policy renews — early enough to have options, close enough for the quote to be accurate.