So what exactly do you get when you take out a Third Party, Fire and Theft (TPFT) policy?

A Third Party, Fire and Theft (TPFT) policy protects any insured driver against any claims made against them by a third party i.e. another driver or a passenger. Like basic Third Party (TP) Cover, TPFT policies also indemnifies policy holders or named drivers in the event of claims made by third parties in the following instances:


– Damage to another driver’s vehicle due to negligent driving of an insured

– Damage to property caused by negligent driving of the insured or a passenger in the insured’s vehicle

– Personal injuries to passengers or other drivers following a collision with an insured’s vehicle


But unlike a TP policy, any person with TPFT Cover will also be able to claim for loss or damage to your own car or any accessories within as a result of fire (arson, self-ignition etc.) or theft (attempted or otherwise) – provided you are not at fault. We recommend this type of policy for those who drive a low-value car or young drivers beginning to drive for the very first time.

This is simply because it is cheaper than fully comprehensive cover but at the same time offers broader cover than a basic TP policy. While TPFT cover is not as broad as Comprehensive Car Insurance, you can add extra benefits onto a TPFT policy such as Windscreen Cover at a nominal cost.