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UK Car Insurance - Car Insurance Guide - Types of Car Insurance Cover - Third Party Fire and Theft

Third Party Fire and Theft Insurance cover offers only slightly more protection than Third Party only insurance.
It does exacly as the name suggests, it only covers any third parties who you may be involved in an accident with (if the accident is your fault), and also covers you if your vehicle has a fire or is stolen.
The person who has the third party cover will not receive ANYTHING in the instance that they are at fault in an accident.

Below is a table of who and what is covered with Third Party Fire and Theft Insurance

Who/What
Covered By Insurance
You
NO
Your Vehicle
NO
Fire to your vehicle
YES
Theft of your vehicle
YES
Third Party Person
YES
Third Party Vehicle
YES
Third Party Property
YES
Passengers
YES

An example of how Third Party Fire and Theft Insurance works:

Mr. Smith has Third Party Fire and Theft insurance for his car. He is driving along and has his friend with him in the passenger seat, while he is driving he accidentally runs into the back of Mr. Jones car.
Mr. Smiths passenger and Mr. Jones both were injured in the accident and damage was caused to both cars.
As the accident was Mr. Smiths fault his insurance company will pay out. They will pay out for the injuries caused to Mr. Smiths passenger and also the injuries to Mr. Jones. They will also payout for the repairs to Mr. Jones car but they WILL NOT pay out for any damage or injuries caused to Mr. Smith.

Mr. Smiths vehicle is stolen. His insurance will pay out.

Mr. Smiths vehicle has a fire. His insurance will pay out.

 

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