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Man getting into car.
Car insurance

Third party fire and theft insurance

Man getting into car.

What is third party, fire and theft car insurance?

Third party, fire, and theft car insurance covers you for any damage made to a third party due to an accident, as well as damage to your car caused by a fire or theft. Third party, fire, and theft does not cover your own vehicle if it's damaged in an accident.

If for example, you hit another vehicle at a junction, and the accident was your fault, the other car would be covered by your insurance, but any repairs to your car will have to be paid out of your own pocket.

At MORE THAN, we believe it’s just as important to know what third party, fire, and theft is, and what it isn’t. The more rules you know, the more you can make your insurance work for you.

One great way to reduce costs on your car insurance is to understand the different levels you can have and what they mean to you and your circumstances. Insurance is all about making sure you have the right cover to suit your needs.



Family getting into car.

So what’s third party car insurance then?

Third party car insurance covers you for damage to a third party in the event of an accident, to their person, vehicle, or property.

MORE THAN don’t offer third party only insurance, but all of our policies provide this cover plus additional features and benefits as standard.




Consumer intelligence Award Logo

Consumer Intelligence Award Winners 2021

Thank you to all our customers who recommended MORE THAN for delivering outstanding claims service. We go the extra mile for drivers, and we do our best to ensure that we process your claim without fuss. So, getting voted top by our customers* means a lot to us. Thank you from all the team at MORE THAN.

Third party, fire and theft versus Comprehensive

Third party, fire and theft car insurance

What's included

Comprehensive car insurance

What's included

If your car is stolen it gets replaced

If your car is stolen it gets replaced

Your car suffers fire damage it’s covered

Your car suffers fire damage it’s covered

Your phone or in-car entertainment system is damaged or stolen

Your phone or in-car entertainment system is damaged or stolen

Damage to a third person and/or their property

Damage to a third person and/or their property
Wrong fuel cover
Wrong fuel cover
Windscreen or windows repairs
Windscreen or windows repairs
Natural disasters such as flooding
Natural disasters such as flooding

Covers you, your vehicle, and third party damages if an accident is your fault

Covers you, your vehicle, and third party damages if an accident is your fault

Covers you, your vehicle, and third party damages if an accident is not your fault

Covers you, your vehicle, and third party damages if an accident is not your fault

Covers you, your vehicle, and third party damages if you can’t prove whose fault it is

Covers you, your vehicle, and third party damages if you can’t prove whose fault it is

Discover our 5 star comprehensive cover

Put simply, what’s the difference between all 3 levels of cover?

Third party

This is the minimum legal requirement to be able to drive on the road. It covers damage to another person and their property or vehicle.

Third party fire and theft

This covers damage to another person and their property or vehicle. It also covers you if your car is stolen or damaged by fire or theft.

Fully comprehensive

Fully comp is the fullest insurance cover you can have. Not only are you covered for all the above third party, fire and theft benefits, you are also covered for damage to your own car.
Man driving car with dog and luggage.

What are the costs of third party, fire and theft insurance?

Just like any other car insurance policy the costs of third party, fire and theft will vary depending on your circumstances. We calculate risk by assessing the make and model of your car, where it’s kept, how you intend to use the car, including your estimated annual mileage. Statistically, the higher your mileage the more you are at risk of having accidents.


Is third party, fire and theft cheaper?

Third party, fire and theft may work out cheaper than comprehensive cover, but this is not always the case. But you should also consider that third party, fire and theft is one of the basic levels of car insurance. 

It can be appealing to young drivers or those with limited driving experience, however drivers between the age of 18 - 24 can save money by insuring their car with young driver black box insurance.

Important information

*Consumer Intelligence Award Winner 2021 for Claims Satisfaction. Motor insurance category. Recommended by customers. 81% of motor customers scored us 8 out of 10 or higher for Claims Service.