Third-Party, Fire & Theft Car Insurance
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Why Compare Third-Party, Fire & Theft Insurance Via SimplyQuote?
You need to compare third-party, fire and theft cover with SimplyQuote because we streamline the entire comparison process in just a few clicks.
We cater to unique motorist needs and will find competitive insurance policies that won’t break the bank.
We cut out the hassle, stress and time that often accompanies this pain-stricken task.
Effortlessly compare motor vehicle insurance quotes with the 100% free, user-friendly online tool. It ensures you get the most bang for your buck without sacrificing quality insurance cover.
What Do You Need To Get A Quote?
Please provide the following information for a third-party, fire and theft car insurance quote:
- Your details (name, surname, contact number)
- Vehicle registration number
- Vehicle details (make, model, age)
- Driver details (driver’s licence, driving history, any additional drivers)
- UK address
- Estimated annual mileage
- Claims history
Why Do You Need Third-Party, Fire And Theft Car Insurance?
You don’t need third-party, fire and theft (TPFT) insurance, as the only insurance type you’re legally required to have is third-party-only (TPO).
However, it could be the insurance level that’s right for you.
If you’re in the habit of repairing your vehicle yourself or only driving your car occasionally, then it could be worth getting this mid-tier insurance policy.
On a side note, fully comprehensive car insurance safeguards you against all road-related accidents including paying for repair costs and medical expenses for you and your own vehicle.
What’s the benefit of TPFT cover?
- You are legally compliant to drive on UK roads
- Have peace of mind knowing you’re covered with the right car insurance policy
- The convenience of having third-party damage paid for and having your car covered from fire damage, theft or attempted theft.
Looking for third-party, fire & theft car Insurance? Get your quote today!
Get QuotesWhat Does Third-Party, Fire And Theft Car Insurance Cover?
Third-party, fire and theft car insurance covers more than basic third-party-only but less than fully comprehensive car insurance. TPFT insurance offers a middle-ground level, covering three main areas:
Third-party cover
- Repair costs for someone else’s car (i.e. a third party’s car)
- Compensation for injuries sustained by another driver or their passenger(s)
Theft cover
- Stolen car replacement
- Attempted theft repairs
Fire cover
- Fire damage car replacement
- Fire damage repairs
What’s not covered by TPFT?
- Damage to your car (i.e. repair costs) if the accident was your fault
- Your medical expenses for injuries sustained from the collision
- Flood damage
- Reckless driving (i.e. not obeying traffic rules)
- Stolen vehicles from an unsecured location/property
- Costs incurred due to negligence (e.g. leaving the keys in the ignition and the car is stolen)
- Damage caused by being under the influence of drugs or alcohol
- Normal wear and tear
- Personal belongings
- Windscreen repair or replacement
- Uninsured/unnamed drivers
- Fire damage caused by mechanical, electrical or electronic failure
- Fire damage caused by arson
What Levels Of Third-Party, Fire And Theft Car Insurance Can You Get?
Technically there are no “levels” for third-party, fire and theft insurance per se, as this is the middle-tier level in itself. However, there are two other levels of car insurance available:
- Third-party insurance (TPO) is the lowest level of car insurance and is a legal requirement to drive in the UK. It only covers third-party vehicles, property or persons in the event of an accident you have caused. For instance, if you are in a head-on collision with oncoming traffic – TPO will cover all repair and medical costs to the other party.
- Comprehensive car insurance is the highest level of cover available. It includes both TPO and TPFT levels and will pay for repair costs, medical expenses and legal fees to you and your vehicle. Oftentimes, comprehensive insurance is actually the cheapest and may be worth comparing to third-party, fire and theft insurance.
What Add-Ons Are Available For Third-Party, Fire And Theft Car Insurance?
Common add-ons for TPFT include:
- No-claims bonus protection could lead to a massive car insurance discount in the future.
- Personal accident cover allows you to claim compensation for injuries sustained in an accident.
- Breakdown cover provides roadside assistance and repairs and may include towing service.
- Courtesy car cover goes hand-in-hand with breakdown cover, providing a complementary vehicle so your driving journey remains unaffected.
- Legal expenses cover helps you recover uninsured losses when you are involved in a non-fault accident or you’re taken to court by a third party.
- Windscreen repair covers the cost to repair or replace damaged, cracked or broken windscreens without your having to dip into your own pocket.
- Personal belongings cover the items inside the vehicle which may get damaged following an accident.
- EU cover, or international car insurance, offers protection when travelling outside the United Kingdom.
- Temporary car insurance covers you with TPFT insurance for a limited, temporary timeframe. The cover is generally available from one hour to 30 days.
How Much Does Third-Party, Fire And Theft Cover Cost?
The average TPFT car insurance policy costs approximately £456 per year.
Prices vary between insurance providers and are based on several factors like driving history, driver’s age and where you stay in the UK.
What impacts the price of a TPFT car insurance policy?
- Driving history – driving convictions, driving style and licence points impact premiums
- Driver age – younger drivers (between 17 and 24) pay higher premiums
- Vehicle type – make, model, replacement value, age, emission levels
- Mileage – more time on the road increases your chance of an accident therefore increasing costs
- UK location – premiums in the quiet countryside tend to be cheaper than in busy cities
- Security of your vehicle – cars in secured locations (e.g. private driveway/locked garage) have lower premiums
- Optional extras selected
- Claims history
How Can You Get Cheaper Insurance Rates?
Getting cheaper car insurance involves taking a proactive approach to your driving. More responsible drivers are less likely to be involved in an accident, which insurance companies favour.
Here are a few ways you can reduce your car insurance policies:
- Secure your vehicles overnight (e.g. locked garage, private driveway)
- Up your vehicle security (e.g. tracking device, alarm system, immobilisers)
- Regularly service your car to prevent breakdowns and premature wear and tear
- Choose a smaller car in a lower insurance group/bracket
- Avoid modifications as these bells and whistles hike up your premiums
- Drive safely to minimise accidents or mishaps
- Opt for annual payment instead of monthly instalments to avoid added interest
- Keep claims to a minimum and start building your no-claims bonus
- Only select the optional extras you need to avoid unnecessary expenses
- Install telematics “black box” technology so your insurance provider can monitor how you drive
- Pay higher voluntary excess to bring premium prices down
- Limit mileage to reduce your chances of a road accident
- Include a named driver (i.e. experienced driver) on your third-party, fire and theft cover policy
How To Compare Third-Party Fire & Theft Insurance With SimplyQuote?
Comparing TPFT insurance quotes with SimplyQuote is quick and hassle-free:
- Fill in the quick questionnaire with details about yourself, your vehicle, and where you live.
- Choose optional extras that you want to add to your policy.
- Get tailored quotes from trusted UK insurers with SimplyQuote’s online comparison tool.
- Save cash today!
The best way to save money on your TPFT insurance is to compare quotes from numerous providers with SimplyQuote’s online comparison tool.
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Frequently Asked Questions
TPFT insurance is a mid-level vehicle insurance policy, providing you with third-party cover as well as fire and theft insurance. This means if you’re involved in an accident, your insurance company will cover the cost of damages caused to another person’s car or property and pay out for injuries sustained by them.
It also compensates you if your vehicle is stolen or damaged by fire. It does not cover repair costs to your vehicle or medical bills in the event of an accident.
TPFT insurance makes a good option if:
- If your car isn’t worth much
- If you don’t drive your car often
As the name suggests, third-party damage is the damage caused to someone else’s property. While it generally refers to third-party vehicles, it can also apply to fences, walls, buildings or persons.
Third-party, fire and theft insurance generally covers all types of vehicles such as Audi, Vauxhall, Ford and Mercedes Benz.