Third Party, Fire and Theft Insurance
Car insurance is all about protecting your car and when it comes to insuring it, you have three levels of policy cover to choose from. Let's take a look at third party, fire & theft car insurance in more detail.
What is Third Party, Fire and Theft Insurance?
This level of cover is “middle of the road”. It offers more protection than third party only but not as much as comprehensive insurance.
Third Party, Fire & Theft car insurance covers:
- injury to other people or damage to their car or property.
- your own car for theft and fire damage.
What’s the difference between Third Party and Third Party, Fire & Theft?
Third Party, Fire and Theft covers everything that third party only does but your cover is extended if your car is stolen or damaged as a result of attempted theft or fire. This means that if someone steals your car, your insurer will pay out the amount that your car is worth at the time of the incident.
More About Third Party OnlyWhat am I covered for with Third Party, Fire and Theft?
- Damage to other people’s cars or property
- Injury to other people
- Repair or replacement of your car if it is damaged by fire
- Repair or replacement if your car is stolen or damaged by theft
What’s not covered?
- Repair or replacement of your car if it is damaged accidentally (even if it was your fault)
- Personal accident cover
- Compensation for any personal belongings stolen or damaged
- Windscreen repair
- Breakdown recovery
- Replacement keys or locks if your car keys are stolen*
We've got you covered
Whatever level of cover you need, we’ve got you sorted.
Frequently Asked Questions
Third party fire & theft insurance covers you if your vehicle gets stolen or damaged by fire. It also includes damage to other people's property and injury to third parties.
In comparison, comprehensive insurance includes everything that third party fire & theft does but it also has the added protection of covering you, your passengers and your property if there's an accident or collision.
Windscreen damage is only covered if it was caused by someone trying to break in or steal your car. Under other circumstances, windscreen repair would not be covered under third party fire & theft.
If you're not worried about paying out of pocket for damage to your property or injury to yourself, then third party fire & theft is suitable for you. However, if you prefer to not be out of pocket then comprehensive car insurance would be better suited to your needs.
If you're involved in an accident, third party fire & theft insurance will cover you for any damage to the other person's vehicle or injury to others if you're at fault. It won't cover you for damage to yourself or costs to repair your own vehicle. If you've got this level of car insurance and aren't at fault, then you can make a claim against the other driver.
