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What is Third-Party, Fire & Theft Insurance?

Fire & Theft Insurance | Car InsuranceThird party, Fire & Theft Insurance differs from comprehensive protection because the insured (first party) purchases liability cover from an insurer (second party) for claims from another (third party). The first party is liable for damage caused by themselves or a third party to the automobile. Adding fire and theft cover to this ensures that the vehicle is protected for damage caused as a result of fire, explosion, lightning, attempted theft, or if it is stolen.

Third party, Fire & Theft Insurance is cheaper than comprehensive protection, but it is still worth comparing your options and costs. The terms and conditions will also differ from a comprehensive package as certain elements are omitted here. If you are the cause of an accident, a court or judgement will find you liable for the third party’s property, so having third party protection is something every car owner should have.