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Third party fire and theft insurance is the next level of cover up from third party only. It is popular because it is less expensive than comprehensive cover, but gives more protection than the basic minimum third party only cover.
You will be covered for third party liabilities, as well as providing cover for your vehicle if it is destroyed in a fire (either an act of arson or a mechanical fault), and if your vehicle is stolen (as long as you report the theft to the police). However you are not covered for vandalism or any damage caused by accidents. Third party, fire and theft cover usually includes an excess which is payable in the event of making a claim.
Third Party Fire & Theft insurance covers you for:
- Damage to third-party property
- Injury to, or death of, a third party
- Theft of your vehicle
- Accidental fire, or deliberate arson by a thief