Third Party, Fire and Theft

Third Party, Fire and Theft car insurance cover offers you the same level of protection as Third Party, but, unlike straightforward third party insurance, this also pays out in the event of your car being stolen or set on fire.

Otherwise, as with Third Party insurance, you are only covered for injury to other people and damage to other people’s cars and property. Injury to yourself and damage to your own car or property arising from circumstances other than fire or theft are NOT included.

Straightforward Third Party is often the level of insurance cover chosen by car owners who have to watch their costs, as well as young and inexperienced drivers comparing their first car insurance quote or those with a driving history who may find Fully Comprehensive insurance protection prohibitively expensive. It is also often considered the most appropriate level of cover for owners of low value cars where the expense of a repair after an accident might cost more than the actual value of the car.

Third Party, Fire and Theft can be the ideal low cost car insurance option for all such car owners, plus it gives the additional reassurance that can make it particularly appropriate for people living in areas where the rate of car theft and car crime is high.

What is Included in Third Party Fire and Theft Cover

Third Party Fire and Theft cover includes:

• Liability for injury to others, including your passengers and the passengers of other drivers
• Liability for damage to other people’s vehicles and property
• Liability for accidents caused by your passengers
• Liability for damage or injury arising from a trailer or caravan being attached to the car
• Cover if your car is stolen
• Cover if your car is set on fire

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