Third party, fire and theft car insurance is a mid-level of cover for your car. It\u2019ll pay out for damage you cause to other vehicles or property, or if your car is stolen or damaged by fire. It won\u2019t pay out for damage to your own car after an accident that\u2019s your fault. Read on for full details of what it does and doesn\u2019t cover, how it compares to fully comprehensive cover and how to keep costs down.<\/p>
Third party, fire and theft car insurance is designed to cover you when your vehicle is stolen or damaged by fire, or if you\u2019re responsible for an accident that damages someone else\u2019s vehicle or property. It won\u2019t cover accidental damage to your own car, though.<\/p>
It\u2019s a mid-range level of cover, sitting between:<\/p>
Most mainstream car insurers will have a third party, fire and theft option. Whether you\u2019re looking for insurance using a price comparison site (such as Finder\u2019s car insurance comparison<\/a>) or an insurer\u2019s own website, there should be an option to show only third party, fire and theft policies.<\/p> We wouldn\u2019t necessarily recommend defaulting to this, though. It\u2019s worth viewing fully comprehensive policies<\/a> too, so you can compare prices and levels of cover. You may find that some comprehensive policies are competitively priced compared to third party, fire and theft options.<\/p> Third party, fire and theft insurance is a step above basic third party cover, so offers reassurance you won\u2019t be left out of pocket if your car is stolen or damaged by fire (2 of the most common risks).<\/p> There are a couple of reasons why you may want to consider this type of cover for your vehicle:<\/p> Bear in mind that, in some cases, third party, fire and theft cover can actually be more expensive than a comprehensive policy. It\u2019s worth getting a quote<\/a> for both options, to make sure you are getting the best deal possible.<\/p>\n<\/div>\n As with any car insurance policy, your premium will depend on a number of things.<\/p> When you apply for a third party, fire and theft policy, you\u2019ll 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 cover, such as:<\/p> A typical third party, fire and theft policy includes:<\/p> Importantly, third party, fire and theft insurance won\u2019t cover you for damage to your own car or injury to its occupants in an accident that\u2019s your fault.<\/p> As with any car insurance policy (even fully comprehensive), there will be a number of other exclusions too, such as:<\/p> Depending on your insurer and your policy, there are likely to be more car insurance exclusions<\/a> that you wouldn\u2019t be able to claim for, so (boring as it is), always read the small print.<\/p> 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, we\u2019ve summarised the key points of what is and isn\u2019t typically covered under each type of car insurance.<\/p>When should I get third party, fire and theft car insurance?<\/h3>
How much does third party, fire and theft car insurance cost?<\/h3>
What does third party, fire and theft insurance cover?<\/h3>
What does third party, fire and theft insurance not cover?<\/h3>
What\u2019s the difference between comprehensive, third party, fire and theft and third party cover?<\/h3>
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