third-party insurance
noun [ U ] uk/ˌθɜːdˌpɑː.ti ɪnˈʃɔː.rəns/ us/ˌθɝːdˌpɑːr.t̬I ɪnˈʃɔːr.əns/
第三方保险（当投保人导致第三方个人或团体生命财产损失时为其支付赔偿金的险种）
insurance that will pay money to a person or group damaged in some way by the person or group who has this insurance