What kind of indemnity is offered under RTA cover for bodily injury or death?

Bodily injury or death coverage under Road Traffic Act (RTA) insurance provides unlimited indemnity to third parties, which means there is no cap on the compensation available for claims related to personal injury or fatality. This framework is designed to ensure that victims of road traffic accidents are fully compensated for their losses, thereby offering a substantial level of protection.

The RTA places a legal obligation on vehicle owners to be insured against liabilities that arise from their use of a vehicle, specifically protecting third parties. This is crucial in fostering public confidence and safety, ensuring that injured parties can seek full damages for medical expenses, lost earnings, and other related costs without limitation on the amount recoverable.

In contrast, other options do not align with the statutory requirements set by the RTA. For instance, capping indemnity at £1 million undermines the purpose of ensuring adequate coverage for serious injuries or fatalities. Offering fixed compensation per claim or restricting claims to only named individuals would also not comply with the comprehensive nature of third-party liabilities as required under the RTA legislation.