What this cover is about
Third-Party, Fire & Theft sits between bare third-party and full comprehensive. It covers what the law and common sense demand — your liability to other people for injury and the damage you cause their property — and adds protection for your own car against two of the biggest non-accident risks: fire and theft.
It tends to suit a car that is paid off and a few years old: still worth replacing if it were stolen or burnt out, but not so valuable that paying for the odd own-damage scrape yourself is a disaster. You trade away accident cover on your own vehicle in exchange for a noticeably lower premium than comprehensive.
Before you choose it, we will be straight with you about the gap: if you dent your own car in an at-fault accident, TPFT will not pay for that repair. For some drivers that trade is sensible; for others, the saving is not worth the exposure. We will run both numbers so you decide with the real figures in front of you.
Who it suits
Drivers of a paid-off, mid-aged car who still want fire and theft protection but can live without own-accident-damage cover.
