Family
What is third-party fire and theft car insurance?
Where a link is marked *, it is a partner link — we receive commission at no extra cost to you. Links without a * earn us nothing. How we make money.
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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: gov.uk/vehicle-insurance
Part of our Family & care
This quick answer sits inside our wider family & care hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full family & care guide →Related reading
More in Family
Was this page useful?Stored locally on your device.