Which additional benefit does TPO cover provide beyond RTA cover?

The additional benefit that Third Party Only (TPO) cover provides beyond Road Traffic Act (RTA) cover is indemnity for accidents in vehicles not owned by the insured. While RTA insurance is primarily designed to meet legal obligations and cover third-party liabilities associated with vehicles driven on public roads, TPO cover extends the protection to instances where the insured is involved in an accident while driving a vehicle that they do not personally own.

This feature is particularly useful for drivers who need flexibility in their insurance cover, allowing them to operate different vehicles without compromising legal protection for any potential third-party claims arising from accidents. It ensures that the insured is still protected even when using vehicles that they do not have ownership of, which is an important consideration for many drivers.

On the other hand, benefits such as personal injury coverage for the insured, fire and theft coverage, or legal representation for court cases are not typically included in TPO policies, as these are more aligned with comprehensive insurance products. Understanding this distinction is crucial for drivers seeking the appropriate level of coverage based on their needs and circumstances.