Act only insurance

[Drewhound]

I believe "Act only" is the term used for the the most basic cover required to drive on the roads.
I believe this means, or meant, that the insurance only covered third party on the public highway (as opposed to private roads which third party covers), is that correct and are there any other differences between it and third party? As the RTA now covers supermarket car parks etc does "Act only" also cover them?
Now to the nitty gritty. If a situation arises, some examples (I think):- no MOT, un-notified modifications, bald tyres: in which the insurance company can refuse to pay out on fire, theft, or the comprehensive parts of the policy they are still obliged to fufil their obligation under the RTA.
Do they pay out on "Act only", third party, or something else?

[russ]

Blimey, that`s a question and a half.

Just to point out that you cannot buy RTA cover, the minimum cover required is TPO, RTA will only come into effect if you have breached the terms and conditions of your policy.

RTA only cover is that described in under the Road Traffic Act. Cover is restricted to accidents occurring on public roads only (i.e. not in private driveways).

Third Party Only Cover provides the same cover as RTA only, with the addition of unlimited cover for third party property damage, cover for driving other vehicles (which do not belong to them or are not hired to them under a hire purchase agreement) , indemnity to passengers if they cause an accident ( at the policyholder’s request) , indemnity to representatives and legal costs in defending a claim.

In the event of a claim that has been caused and the terms and conditions of the policy have been breached the RTA cover applies, pretty much all policies market wide also carry the details to confirm that if they have to pay out under RTA that they have the right to recover the amount of their settlement from you.

Drewhound, are you asking about this on a specific incident or just general queries? It`s not the sort of question i would expect someone to come out with :)

If it`s about a specific incident i would suggest that you ask a solicitor to view your individual policy and give you full and proper advice. Or of course refer it to your insurer and if not happy follow their complaint procedure.

As all information given on 5-0 any real problem should be referred to the professionals as they would be in receipt of all the proper and correct facts.

Russ

[Drewhound]

It's a general query Russ and I appreciate you taking the time to answer. I did do some searching but never found anything and I did check the RTA but it was gobblegook to me.
Am I right in assuming the RTA is unlimited liability, costwise?

[russ]

No problem :)

RTA liability is unlimited to third party damage but only upto £250,000 on property. ( or it was £250,000 on property when i knew it, couldn`t find anything to say it had been increased)

Russ

[Drewhound]

Thanks a lot Russ, I hope all my insurance questions are just queries :D