Hastings Direct — Car, Van, Bike & Home Insurance

Third party, fire & theft cover

Looking for car insurance? If so, the first thing you'll need to do is decide the level of cover you want. There are three options to choose from:

  • Third party
  • Third party, fire & theft
  • Comprehensive insurance

Below, we'll take a look at third party, fire & theft policies to help you decide whether it's the best option for you.

What's third party, fire & theft?

Third party car insurance is the minimum level of cover required by law. In the event of an accident, the policy covers costs for damage caused to the other driver's vehicle, plus any treatment fees if the other driver's injured. But, you'll be expected to cover the costs for repairs to your car, plus any personal injury expenses if you're found to be at fault.

The next level is third party, fire & theft. This level of cover features all the benefits of third party, plus protection if your car's stolen or damaged by fire. More specifically, you're covered for damaged caused to your car as a result of attempted theft, for instance if the windows are smashed or door locks are broken. You're also protected from both accidental and non-accidental fire, though to claim on your insurance for arson you'll need to report the incident with the police and get a crime reference number.

Third party, fire & theft policies do not provide protection for things like flood damage, which is worth bearing in mind if you live in a flood-prone area. And just like third party insurance, you'll have to cover costs for repairing or replacing your car in the event an accident, and pay for any personal injury costs if you’re found to be at fault.

Is third party, fire & theft the cheapest option?

The price you pay for car insurance depends on a whole host of factors, including the type of car you drive, where you live, your occupation, and how many years of no claims discount you've built up.

Many people think a third party insurance policy is the cheapest option, but this isn't always the case. Drivers who take out third party policies tend to pose a greater risk on our roads. This means insurance providers pay out more in claims for third party policy holders. This means that comprehensive insurance can be just as cheap, if not cheaper, than a third party policy, which is why it’s important to take your time to consider all options and compare quotes.

Third party policies don’t offer the same level of protection as comprehensive insurance. With a comprehensive policy, you'll be able to claim for damage to your car in the event of an accident, along with any personal medical costs. Comprehensive insurance will pay out for a replacement car if yours is written off and often features additional benefits such as windscreen cover, personal injury and legal expenses even if you're found to be at fault for the accident.

So, is third party, fire & theft insurance right for you? If you own a relatively cheap car that wouldn't cost much to repair or replace, it could be a suitable option. If you think you could carry out most repairs to the car yourself if it was damaged, or you're confident you have enough money in the bank to buy another car if yours was written off, then a third party, fire & theft policy could be for you.

But, if you own a new or expensive car, it could potentially cost thousands of pounds to repair or replace if you were involved in an accident or it was written off. And if you only had third party cover, you’d have to pay the full bill.

Car insurance from Hastings Direct

Hastings Direct offers basic cover at a great price. Our third party, fire & theft policy sits between our third party and comprehensive car insurance policies and has been specifically designed to offer the cover you need without stretching your budget.

All our policies feature a great range of benefits as standard, and we offer monthly payment options and a 24/7 hour claims helpline for all of our customers. You can also tailor the policy to suit your individual needs by choosing from a number of optional extras.

If you've compared your options and decided our third party, fire & theft car insurance is the best one for you, get an online quote today.

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Our refreshingly straightforward car insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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