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Third party, fire and theft car insurance is designed to cover you when your vehicle is stolen or damaged by fire, or if you’re responsible for an accident that damages someone else’s vehicle or property. This mid-level car insurance option provides cover against the most common risks you face when on or off the road, but is designed to be more affordable than fully comprehensive car insurance.
A typical third party, fire and theft policy includes:
There are several reasons why you may want to consider this type of cover for your vehicle:
It is important to note that, in some cases, third party, fire and theft cover can actually be more expensive than a comprehensive policy. It’s worth getting a quote for both options, to make sure you are getting the best deal possible.
That depends on a whole lot of things. When you apply for a third party, fire and theft policy, you’ll need to answer questions about your car and where you live. Your answers to these questions reveal a range of risk factors that can affect the cost of you premium, such as:
With several different types of car insurance available, it can be tricky to work out which type of policy is the best fit for you. To help make your choice easier, check out the comparison table below:
|Cover||Comprehensive||Third Party||Third Party Fire and Theft|
|Agreed value cover|
|At-fault damage to other vehicles|
|At-fault damage to own vehicle|
|No claim bonus protection|
|Not at-fault damage to own vehicle|
|Third party personal injury|
Keep the following tips in mind to help you save money on your car insurance premiums:
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