What is 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.
Our Third Party, Fire & Theft cover at a glance
| Damage to third party | If you cause an accident that damages someone else's car, property, or injures someone, you'll be covered for subsequent claims made against you. | ||
| In-car equipment | Unlimited cover for fitted in-car audio, TV, telephone or navigation equipment, or up to £1,000 for non-standard equipment. | ||
| 24/7 emergency helpline | Our emergency helpline is always available to you, no matter what time you might need us. | ||
| 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. | ||
Comprehensive
This covers you if your car is stolen, accidentally damaged or damaged by fire. You're also covered for claims made against you by other people for damage to their property or for bodily injury.
Comprehensive Plus
An enhanced version of our Comprehensive insurance. You'll get some higher cover limits, plus extras such as Guaranteed Hire Car Plus, Motor Legal Cover and Automatic Foreign Use included in the price.
(Subject to availability)
Download our car insurance policy booklet
For full details and exclusions see the car insurance booklet. If you're an existing customer, you'll need to check your policy documents for the most accurate information.
You'll find them in My Account.
Optional extras
If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.
Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:
- One claim made during the current period of cover, or by
- Two claims arising in the three preceding years of insurance
You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.
Breakdown cover is one of those things you're glad to have when things go wrong.
In partnership with Green Flag, we offer four choices of breakdown cover to provide you with 24/7 assistance, 365 days a year plus unlimited callouts to breakdowns (this excludes repeated calls for the same incident).
Find out moreMotor Legal Protection will provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.
Find out more