What is third party fire and theft car insurance?
Third party fire and theft (TPFT) covers your liability for injury or damage to others, plus loss of or damage to your own car caused by fire or theft. It doesn't cover accident damage to your car.
What it covers and what it doesn't
Third party fire and theft sits between basic third party and fully comprehensive cover. It includes your legal liability to other people, and adds protection if your car is stolen or damaged by fire.
What it typically does and doesn't cover:
- Covers injury or damage you cause to others
- Covers your car if stolen or damaged by fire
- Does not cover accident damage to your own car
- Does not usually cover vandalism or weather damage
Don't assume TPFT is the cheapest choice — comprehensive cover is often similarly priced or lower. It's always worth comparing all three cover levels before deciding.
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Is third party fire and theft cheaper than comprehensive?
Not necessarily. Comprehensive cover is often the same price or cheaper, so compare both before assuming TPFT saves money.
Does TPFT cover accidental damage to my own car?
No. If you have an accident that's your fault, TPFT won't pay to repair your own vehicle — only comprehensive cover does that.
Does TPFT cover my car being vandalised?
Usually not. Cover is limited to fire and theft for your own car; vandalism is typically only covered under a comprehensive policy.