Everything You Need To Know About Fire And Theft Car Insurance

What Is Fire And Theft Car Insurance?

Fire and theft car insurance, often referred to as ‘third party, fire and theft insurance’, is a type of motor vehicle insurance that covers the policyholder against the cost of repairing or replacing their car if it is stolen, damaged by fire, or damaged in an accident with an uninsured driver. It is one of the most popular forms of car insurance in the UK and is usually the minimum level of cover required by law.

In the event of a claim, the insurer will typically cover the cost of the repairs or replacement of the vehicle, minus any excess that the policyholder must pay. In some cases, the insurer may also cover the cost of any personal items that were stolen from the car.

What Does Fire And Theft Car Insurance Cover?

Fire and theft car insurance covers policyholders against the cost of repairing or replacing their car if it is stolen, damaged by fire, or damaged in an accident with an uninsured driver. It is important to note that this form of insurance does not cover any damage caused by the policyholder, such as in an at-fault accident.

In addition to covering the cost of repairing or replacing the vehicle, fire and theft car insurance also covers the policyholder against the cost of any personal items that were stolen from the car. This includes items such as mobile phones, wallets, and other items of value.

Is Fire And Theft Car Insurance Mandatory?

Yes, fire and theft car insurance is mandatory in the UK. All drivers must have a minimum of third party, fire and theft insurance. Without this, the driver may face a fine and their vehicle may be impounded.

What Is The Difference Between Fire And Theft Car Insurance And Comprehensive Insurance?

The main difference between fire and theft car insurance and comprehensive insurance is the level of cover provided. Comprehensive insurance provides the highest level of cover and usually includes cover for any damage caused by the policyholder, whereas fire and theft car insurance only covers the cost of replacing the vehicle in the event of theft, fire, or an accident with an uninsured driver.

How Much Does Fire And Theft Car Insurance Cost?

The cost of fire and theft car insurance varies depending on a number of factors, such as the age and model of the vehicle, the area in which the vehicle is kept, and the driver’s age and driving history. Generally, it is more expensive than third party insurance, but it is still typically cheaper than comprehensive insurance.

Where Can I Find Fire And Theft Car Insurance?

There are a number of companies that offer fire and theft car insurance, including specialist insurers, price comparison websites, and traditional car insurance companies. It is important to shop around and compare quotes to ensure that you get the best deal. It is also worth considering any additional benefits that may be included in the policy, such as breakdown cover or legal cover.