# What is third-party fire and theft car insurance?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/what-is-third-party-fire-and-theft/
Markdown mirror: https://moneyguide.org.uk/answers/what-is-third-party-fire-and-theft.md

## In short

Covers damage you cause to others plus fire damage to your car and theft of your vehicle — but not accidental damage you cause to your own car in a crash.

Sometimes costs more than comprehensive because higher-risk drivers historically chose lower cover tiers.

Compare all three levels when quoting — cheapest tier is not always cheapest premium.

See car insurance explained.

## Related

- [Car insurance explained](https://moneyguide.org.uk/cars-motoring/car-insurance-explained/)
- [Compare car insurance](https://moneyguide.org.uk/cars-motoring/compare-car-insurance-guide/)

## Primary source

gov.uk/vehicle-insurance

---

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