Which of the following is covered by RTA cover?

The answer highlighting coverage for property belonging to third parties up to £1.2 million is correct because the Road Traffic Act (RTA) specifically mandates that motor insurance policies provide at least third-party liability coverage. This coverage is intended to protect against damages or injuries that the insured driver may cause to other people and their property while using the insured vehicle on public roads.

In the context of the other options, damage to the insured vehicle itself is typically covered under a comprehensive motor insurance policy rather than under the RTA minimum requirements. Damage caused by weather events, while potentially applicable under comprehensive coverage, is not included in the basic statutory third-party liability coverage. Meanwhile, personal belongings in the insured vehicle usually fall outside of statutory requirements and would often require additional coverage or a specific add-on to the policy for protection. Thus, the emphasis on third-party property coverage aligns directly with the legal obligations outlined in the RTA.