Third Party, Fire & Theft car insurance

This covers you if your car is damaged by fire or stolen, and if other people claim against you for injury or damage to their car or property.

Click on any of the features for more details on what’s included with Third Party, Fire & Theft cover:

  • Damage to third party property

    This covers you for any damage your car causes to another person’s car or property.

  • 24/7 accident recovery helpline

    Our emergency helpline is available to you at all times.

  • Fire & theft

    With fire & theft you’re covered if your car is damaged as a result of theft, attempted theft, fire, lightning or explosion.

  • In-car equipment

    We cover any permanently fitted in-car audio, TV, telephone or navigation equipment. If fitted as part of the car's standard equipment, then the cover is unlimited. Cover limits up to £1,000 - this limit applies only to non-standard fitment.

  • Repairs guaranteed for 5 years when using an approved repairer

    Repair work is guaranteed for five years if you use one of our approved repairers. Your car will be cleaned inside and out before being returned to you.

Customise your cover to suit you

You can easily add any of the following features to Third Party, Fire & Theft cover for an additional premium during the online quote process:

Breakdown cover

  • Breakdown cover provided by GreenFlag
  • No extra costs for specialist equipment
  • Unlimited callouts 24/7 in the UK

Protect your No Claim
Discount

  • Don’t let one claim ruin your good track record
  • Anyone who has earned a minimum of 4 years No Claim Discount is eligible
  • This means that your No Claim Discount will not be affected by:
    • One claim made during the current period of cover, or
    • Two claims arising in the three previous years.
    Remember, only the policyholder can earn the discount.

Motor Legal Protection

  • Breakdown cover provided by GreenFlag
  • No extra costs for specialist equipment
  • Unlimited callouts 24/7 in the UK
  • If you have an accident involving your car where you are not to blame, you have the right to claim from the person responsible
  • Receive up to £100,000 of legal costs, as long as there is a better than 50% chance that your claim will succeed
  • Examples of what you could claim compensation for:

    Injury to you or a passenger:
    If you or your passengers are injured in an accident, Motor Legal Protection could help you claim compensation for those injuries.

    Loss of earnings:
    If you’re injured in an accident that isn’t your fault and are unable to work, Motor Legal Protection could help you recover loss of earnings.

    Medical expenses:
    If you’re injured in an accident and need treatment, Motor Legal Protection could help you recover the medical costs.

    Loss of possessions:
    If your personal possessions are damaged as a result of an accident, Motor Legal Protection could help you claim back the cost of these items - if they’re not covered elsewhere.

    Damage to your car:
    If you don’t have comprehensive insurance cover and your car is damaged by no fault of your own, Motor Legal Protection can help recover repair costs.

  • Don’t let one claim ruin your good track record
  • Anyone who has earned a minimum of 4 years No Claim Discount is eligible
  • This means that your No Claim Discount will not be affected by:
    • One claim made during the current period of cover, or
    • Two claims arising in the three previous years.
    Remember, only the policyholder can earn the discount.

All the details

For full details and exclusions see the car insurance summary document. For all information related to car insurance see our documents library

Car insurance summary