What is Third Party Fire and Theft insurance cover?

Posted by mustard.co.uk on October 1st, 2015 and last updated on January 27th, 2021

Third Party Fire and Theft cover is the middle form of car insurance for UK drivers.

While it doesn’t provide quite as much protection as a Comprehensive policy, it does provide a little bit more than Third Party Only, which is the minimum legal requirement for insurance in the UK.

Essentially, Third Party Fire and Theft covers you in the event of causing damage to another motorist’s car, van or motorbike but it would not cover damage to your vehicle.

On top of that, Third Party Fire and Theft also allows you to claim for damage caused to your car after an attempted theft or if your car is stolen full stop.

The Fire part of the name covers you for, yep, you guessed it, fire damage to your car.

Third Party Fire and Theft – what’s covered?

  • Damage caused to other motorists and their property, including repair costs of other vehicles and medical treatment for other parties.
  • Legal claims made against you.
  • Theft or fire damage to your car.

Is Third Party Fire and Theft car insurance worth it?

Generally, Third Party Fire and Theft cover sits in the middle of all three insurance types in terms of price.

However, we’d urge you to go beyond just price and decide whether Third Party Fire and Theft provides enough cover for you.

If you have an expensive car then it may be better to get Comprehensive cover, for example. If you have an inexpensive car, Third Party Fire and Theft might be enough cover for you.

Once you’ve got the right level of cover sorted, then price should come into your decision process and that’s where mustard.co.uk can help because we find the cheapest car insurance deals available, online and over the phone.

Who is mustard?

We are experts in insurance comparison, dedicated to helping you compare quotes online quickly and easily.

We search quotes from some of the UK’s leading insurance providers to help you find the right policy for you at a price to suit your budget.

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