Third Party Fire And Theft Car Insurance

Should your car be stolen or damaged in a way directly related to the theft (i.e. damage to the exterior of the car during attempted theft), you are able to pursue a claim. This is assuming you have reported the theft to the police.

The fire part of the policy covers you for fire damage to your car, which in many cases could happen should your car be stolen. Fire can also happen through vandalism. Whatever it is, it is normally out of your control, which means you can be covered for it.

You will also need to be aware of that you are very likely to have to pay excess should you claim for fire or theft. This can range anywhere between £100 to £300 and means that each time you claim you will need to pay the first £100 to £300 so think first before claiming. Please note that claims can also affect your no claims bonus and therefore next time you come to insure your car the cost of your insurance maybe higher.