Financial Services > Car lnsurance > Uk Car Insurance > Third Party Fire and Theft Car Insurance
Third party insurance only protects you against any claims made against you as a result of having an accident. The fire and theft aspect covers you against damage to, or loss of your vehicle due to it being stolen or set on fire.
You are also covered for all legal requirements, such as hiring a solicitor to represent you if you have to go to court.
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Although third party insurance is generally used by younger drivers who have lower value cars, this does not mean that such vehicles are immune from theft. In fact, such cars are often more likely to be stolen and burned, as they are easier to break into. Even if your insurer does pay out in such circumstances, your premiums will rise significantly over the following few years. We therefore recommend keeping your vehicle safe by fitting an alarm and immobiliser, and making sure that you use it all times. This can also help reduce your insurance premiums.
If you do have the misfortune of having your car stolen or damaged by a thief, with a third party fire and theft policy, unlike third party only, you will be able to make a claim, providing you have reported the theft to the police.
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