in car insurance ever heard of "act only"cover ?

[slave-plater]

in car insurance ever heard of act only ,cover i think ts more basic than third party only......antyone heard the term act only ?

[JB]

RTA only (Road Traffic Act) is the minimum legal requirement - insurers will act as RTA only in certain circumstances, but will not generally offer RTA only cover for sale. Hope that makes sense!

[Ethel]

RTA insurance is Road Traffic Accident insurance, or Third Party Act only; - and is the bear minimum that can be legally used on a public road.

Very often it kicks in when an insured driver has fully comp or third party, fire and theft, but there is something that would otherwise void the insurance policy - perhaps the driver has given false information to the insurance company, or modified the car and failed to inform the insurer.

Or is driving abroad without extending his cover.

The insurance company will ensure any third party losses are compensated - to a point - the very legal minimum they can get away with and will seek redress from their client where possible.

You can't buy it.

[Aquagility]

More commonly, if you are driving someone else's car on your own insurance, you may have Third Party cover, but only to the extent required by law.

[sifellis]

As correctly described above. The minimum legal cover to drive is third party only.

As an insurer, we do offer a lesser llevel called adf&t (accidental damage, fire & theft) typically used if someone is banned, or travelling for a extended period and the vehicle is to be off the road. It's typically referred to as a 'laid up' policy and so long as the car is kept in a locked garage we can allow a policy hoder this level of cover until their renewal date.

[kaztuz]

The minimum cover required to drive on the road is RTA not TPO.