Third Party Fire and Theft Car Insurance

Third party fire and theft  car insurance provides the same cover as third party car insurance as well as extra cover for fire and theft.

Third party fire and theft car insurance is sometimes only slightly more expensive than a third party policy, so it is often worth considering paying a little more for the extra protection.

Third Party Fire and Theft Car Insurance Summary

Who/What? Protected Not Protected
You x Yes
Your Vehicle
x Yes
Fire Yes x
Theft Yes x
Other Person
Yes x
Other Person's Vehicle
Yes x
Other Person's Property Yes x
Passengers Yes x

 

When to use Third Party Fire and Theft Insurance

Quite often there is only a small difference in premium between third party fire and theft and third party cover, however third party car insurance can work out a lot cheaper if a car is modified - Please see Declaring Modifications for more details.

Please Note: Some insurers will not offer third party cover so third party fire and theft should be their lowest priced policy.