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Third party, fire and theft car insurance

Compare third party, fire and theft car insurance policies to find one to suit you

What’s third party, fire and theft (TPFT) insurance?

It’s car insurance that covers you if you injure someone with your car or cause damage to other people’s vehicles or property.

It’ll also pay out if your car’s stolen or damaged by fire, but you won’t be covered for the loss or damage to your own car in any other circumstances.

However, if you’re in an accident that isn’t your fault, you might be able to claim for damage or the loss of your car from the insurance company of the person whose fault it was.

How much is third party, fire and theft cover?

The cost of your policy will depend on a variety of factors including:

  • The make of your car
  • Where you live
  • If you drive it to work or for business use
  • Your annual mileage
  • If you have any car modifications
  • Additional drivers on the policy

Is it right for you?

TPFT is a good choice if you’re driving a low-value car that’s easy to get spare parts for - it could be cheaper for you to pay for repairs yourself, rather than make a claim with your insurer.

That’s because the excess on your insurance (the sum you have to pay out before making a claim) might be close to or higher than the cost of any repairs.

But if you couldn’t afford to replace your car if it’s written off in an accident then you need to consider comprehensive insurance instead.

Join over a million customers with free £250 excess cover[4]

Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that.

If you do need to claim, you'll have to pay your excess first, and then we'll refund up to £250 after your claim's settled.

It really is free. We haven't hidden the cost anywhere.

Claim your free £250 excess cover

[4]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

Other types of car insurance

  • Comprehensive

    Covers repair or replacement costs if your car is damaged, written off or stolen.

    Find out more
  • Third party only

    Covers other people's vehicles, but not you or your vehicle.

    Find out more

What does third party, fire and theft cover?

  • Damage caused to another car or property
  • Injuries to other people
  • Replacing a stolen car
  • Damage caused by an attempted theft
  • Fire damage

What isn’t covered by TPFT?

  • Your car is damaged in an accident that was your fault
  • Mechanical, electrical, or electronic failure causes fire damage
  • You breakdown or there are breakages
  • There’s flood damage
  • Your car is stolen because it wasn’t properly secured
  • Your personal belongings are stolen or damaged
  • The windscreen needs repairing or replacing

What’s the best policy for you?

The cheapest insurance isn’t necessarily the best. Policy prices vary greatly, and it’s more important to find car insurance that suits your needs.

Think about what you need cover for and always read your policy carefully to make sure it’s right for you.

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