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Liabilities when occasionally driving old pick with govt ins &sticker

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Our 7 year old pick up is used about twice a month for short trips to town for heavier items.

I know the govt cover does not cover any damage to my vehicle,but what are my other liabilities

Suggestions please

Any damage to other vehicles and other persons, the latter in so far as over the compulsory insurance limits, are your liability.

IMO a big risk, get sy least proper 3rd party insurance.

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