Third Party Fire and Theft

The minimum cover offered by Direct Line car insurance is third party fire and theft. But you will find third party fire and theft is just one of the two levels of cover we offer.

All our car insurance policies include third party car insurance. With third party fire and theft, you also benefit from cover in case your vehicle is damaged by fire or if someone attempts to break in or steal it. With comprehensive car insurance you get the most cover – and therefore the greatest peace of mind. It includes all of the above plus cover for personal accident and injury, medical expenses and windscreen replacement and repair in the event of breakage. With comprehensive cover there is no excess to pay if you’re hit by an uninsured driver with our exclusive Uninsured Driver Promise.

If you want to drive abroad, you may need a Green Card, which will provide the minimum amount of cover required for the country you are driving in. The minimum cover required for other countries could be less than the cover offered by Direct Line whilst driving in the UK. Not all countries are covered under a Green Card so please call us for more information. If you would like to extend your level of cover when travelling abroad, again please call us.

Our customers also have the opportunity to purchase a number of car insurance extras. These include our Guaranteed Hire Car Plus (for Comprehensive policy holders) and Motor Legal Protection, which can help drivers to claim for uninsured losses. Other additional discounts and benefits, including multi-car discount, named driver discount and no claims discount. Named driver no claims discount and matched driver discount are only available for comprehensive car insurance policyholders.

To find out more about our range of car insurance, including third party fire and theft cover, click on our types of car insurance or, for more detailed information, download our car insurance policy documents online.

Remember, it is illegal to drive in the UK if you do not have adequate car insurance. Make sure you have at least the minimum required cover.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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