# Comprehensive vs third-party fire and theft motorbike?

> Quick answer · Last updated 5 July 2026

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## In short

Comprehensive covers accidental damage to your bike plus liability. TPFT adds fire and theft to third-party only.

Small bikes with low values may suit TPFT — compare repair costs.

Comprehensive often required for finance agreements.

Accessories limits apply on all tiers.

See motorbike insurance guide.

## Related

- [Motorbike insurance guide](https://moneyguide.org.uk/insurance/motorbike-insurance-explained/)

## Primary source

abi.org.uk/motor

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.