UK Driving Theory Practice Exam

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What does Third Party insurance cover?

  1. Damage to your own vehicle only

  2. Only personal injuries

  3. Damage to others' property and vehicles

  4. All accidents regardless of fault

The correct answer is: Damage to others' property and vehicles

Third Party insurance primarily covers damage inflicted on other people's property and vehicles as well as any injuries caused to other people in the event of an accident where you are at fault. This type of insurance is a legal requirement for drivers in the UK, ensuring that victims of road traffic accidents can claim compensation for their losses, allowing for financial protection against the costs associated with damage or injury you may cause to others. The focus of Third Party insurance is on providing coverage for claims made by others; it does not extend to cover any damage to your own vehicle or any personal injuries you might sustain in an accident. Such coverage would typically fall under a different type of insurance policy, like comprehensive insurance, which addresses broader risks associated with driving. Therefore, it’s vital for drivers to understand the specific protections offered by Third Party insurance when considering their coverage needs.

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