Typically, third-party cover might work if you're happy to cover the cost of any accident repairs yourself. This is often the case when the value of your car is low. There are some cases whereby third-party insurance may be your only option.
How to use third party insurance?
How does Third-Party Insurance work? If a policyholder meets with an accident, then the insurer offers financial assistance to pay for the cost of repairs to the third-party property. Thus, it reduces the financial burden for the policyholder.
Which is best 1st party or 3rd party insurance?
Third-party insurance covers damages or losses caused only to the third party due to an accident. The first party is eligible to receive a substantial personal accident cover with such policies. The first party can raise a claim against it depending on the terms and conditions.