Compare Third Party Fire and Theft car insurance

There’s no single best car insurance policy for everyone. Whether Third Party Fire and Theft is the best car insurance policy for you will depend on your specific circumstances.

Third Party Fire and Theft car insurance isn’t the cheapest type of car insurance around, but it’s also not the most expensive. It could be good for someone who wants more cover than is provided by compulsory third party insurance, but also wants something cheaper than a comprehensive policy.

If you’re still unsure if Third Party Fire and Theft car insurance would suit your circumstances, read the Target Market Determination.

Learner drivers can be covered by a Third Party Fire and Theft policy, provided the licensed driver accompanies them while they’re driving. Some insurers may also require any learner who uses the covered vehicle to be a listed driver on the policy.

Please note that if the learner driver is responsible for an incident you make a claim for, you may incur a young or inexperienced driver excess on top of the standard excess payment.

Some car insurance providers will offer roadside assistance services as an optional extra with Third Party Fire and Theft policies.

Yes, Third Party Fire and Theft insurance can cover factory-approved modifications and accessories but it will depend on the insurer and the policy purchased. Modifications may increase the cost of your premiums, and it’s important to notify your insurer of any modifications to make sure they’re covered by your policy. If your vehicle has illegal modifications, your claim will likely be denied.

Depending on when you take out your policy and what coverage is on offer, your aftermarket modifications could be covered. If you’re taking out a new policy or switching providers, you can list your mods when providing details about your vehicle. Any extra parts and upgrades will be counted in the cost of your insurance.

If you already have insurance and modify your car, these modifications won’t be covered unless you contact your provider to advise them of the changes you’ve made and update your cover (if required).

No, it isn’t standard for insurers to offer a choice of repairer as an optional extra in Third Party Fire and Theft policies. This is typically only an option in comprehensive car insurance policies, but it’ll depend on the insurance provider.

Some ways to get cheaper Third Party Fire and Theft car insurance include restricting the age of drivers, being choosy with optional extras and comparing your options with a comparison tool.

There are some steps you can take to reduce your car insurance premiums, including:

• Restricting the age of drivers. Restricting the age of your car’s drivers (e.g. only people over the age of 18, 21 or 25) may reduce the cost of your insurance.
• Looking out for discounts. Some insurance companies offer discounts if you purchase insurance online.
• Only select optional extras you need. It may be tempting to include every optional benefit available to you, but each one typically increases your overall premium.