damage you are responsible for.
if you are in an accident that is believed to be your fault, then your third party cover pays for the cost of repairing any other cars involved or any property damaged, as well as any medical treatment those involved may require and the cost of any legal claims against you. third party does not, however, cover the cost of any repairs to your own car or any medical treatment you might receive yourself.
in a situation where it is not clear who is to blame after an accident, or if your car is stolen, you will not be able to claim on a third party only 