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Coronavirus update Last updated 9th July 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 9th July 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Third party fire and theft car insurance

If you need to get your car insured, you'll have to choose from three levels of cover: third party only, third party fire and theft, and comprehensive cover. This guide explains all you need to know about third party fire and theft cover.

What is third party fire and theft car insurance?

To be able to drive on public roads, third party car insurance is the minimum level of cover required by law. If you're involved in an accident, the policy covers costs if a third party's car or property is damaged, or if they're injured and need medical treatment. However, you'll have to cover personal costs if you're at fault; for instance if your car needs repairing or you need medical assistance.

Third party fire and theft is one level up from a third party only policy. It includes all the same features with the addition of covering your car if it's stolen or damaged by fire.

What is covered under third party fire and theft?

  • Losses from damage to third party cars
  • Losses from damage to third party property
  • Third party medical expenses
  • Damage to your car as a result of attempted theft, for instance smashed windows
  • Accidental and non-accidental fire (cases of arson must be reported to the police and a crime reference number obtained).

Do I need third party fire and theft?

While it's a legal requirement to have third party insurance, it's up to you whether to boost cover with a fire and theft policy. It will simply mean you're protected against more eventualities.

Is third party fire and theft cheaper?

You'd be forgiven for thinking third party policies are the cheapest types of cover. While this may have been the case, things have changed recently.

Data shows drivers who typically take out third party cover are more likely to be involved in accidents, be this due to their age or lack of experience. Insurance providers have had to offset this increased risk by charging higher premiums to all drivers.

Things like your occupation, where you live, and how many years of no claims discount you have are also taken into account when insurers calculate your premium. Meaning, what's the cheapest policy for one driver might not be the cheapest for you.

Can you get a no claims bonus with third party fire and theft?

Yes. So long as you're the main driver on the policy (and not just a named driver) you can build up a no claims discount on all types of car insurance. Generally speaking, the more years of no claims, the greater the discount to your car insurance premium when you come to renew.

Can I drive someone else's car with third party insurance?

You're only able to drive someone else's car on a comprehensive policy. Even then, there may be some limitations – for instance, some insurers say drivers must be aged 25 or above to get behind the wheel of someone else’s car. You should always check with your insurer and never assume you're covered to drive another car.

Do you have to pay excess towards a third party claim?

You won't need to pay any excess if a third party claims against you after an accident – your insurance provider will cover this. However, if it's a personal claim (for instance, your car's stolen) then you'll have to contribute whatever excess was agreed when you first took out the policy.

Should you get third party fire and theft insurance?

With comprehensive policies working out just as – if not more – affordable for many drivers these days, it could be a smart move to protect yourself with the high level of cover.

Even if third party policies are coming off cheaper when comparing quotes, you mustn't forget to factor in personal costs you'd be expected to pay in an event of a claim. You need to make sure there's enough in the bank to repair or replace your car – if your car's cheap or you could do most repairs yourself, you might feel protected enough with a third party fire and theft policy.

Ultimately, the decision is yours. But if you think you'd benefit from a little extra cover, then comprehensive insurance is likely to be a safer bet.

Third party fire and theft with Hastings Direct

Hastings Direct third party fire and theft car insurance comes with a wide range of benefits as standard, but has been designed so it doesn't stretch the budgets of cost-conscious drivers.

All our policies have features such as monthly payment options, no claims discount and access to our 24/7 claims helpline desk. You can also tailor your policy to suit your needs, choosing from a range of optional extras.

If you've decided third party fire and theft cover is the right choice for you, get a quote today with Hastings Direct.

Car insurance

Our 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.

Log in to MyAccount

Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

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