Third party, fire and theft insurance explained

Can I get a no-claims discount with third party, fire and theft insurance?

Yes, most policies let you build up a no-claims discount regardless of the level of cover you've opted for. If you're unsure, check with the insurance provider for the specific terms and conditions attached to the policy. 

Does third party, fire and theft cover driving abroad?

Most car insurance policies cover driving in the European Union as standard. However, you may only be covered at third party level, even if you have a third party, fire and theft or even a comprehensive insurance policy. 

Why is third party, fire and theft more expensive?

What is third party damage?

'Third party damage' is damage to someone else's property – usually their car, but it could also include their home or garden (if you veered off the road, for example). You'll be covered for the costs of repairing this damage with third party, fire and theft insurance. 

You may also be covered for the cost of paying medical bills and compensation if you injure someone while driving. 

Does third party, fire and theft cover recovery?

Generally, no, third party, fire and theft insurance doesn't cover recovery as standard, meaning you'll usually have to pay for your car to be collected if you're unable to drive it after an accident. 

However, if the accident was clearly someone else's fault, their insurance should cover the cost, so you may be more confident in getting your car recovered and recouping the cost later.