Third Party Fire and Theft Car Insurance

Third Party, Fire and Theft
This type of car insurance policy provides the minimum legal requirement. They are designed to protect victims of accidents in which your car is involved. A third party fire and theft policy can also cover your legal fees in case you require a solicitor to represent you.

Should your car sustain damage caused by a fire, your insurance policy does provide limited protection. In order to sustain such damage it is highly likely that your car will have been stolen and set alight to destroy any evidence.

Third Party Only Insurance
By law, as far as the Road Traffic Act(s) are concerned, you need to have a minimum level of car insurance. Third party only will only cover your liability to others. There is no cover for damage to yourself or your vehicle.

Third party car insurance will also cover you to drive other cars on a third party basis. Look carefully at the terms and conditions of your policy for this reason. The insurance policy will tell you whether you can drive another car, and whether someone else can drive yours.

If you are found to be guilty of causing an accident, your insurer will pay any compensation to any injured victims of the accident. Any legal costs are covered and paid to the solicitors of the victims as well as the legal costs that your own insurance company incurs representing you.

However, if you are involved in an accident in which you are the passenger, third party car insurance will only cover the driver. You can claim compensation from the person driving your car should their negligent driving cause you injury. This is because the insurance policy indemnifies the driver. What the third party policy doesn’t cover is the damage to your car whoever is driving it.