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Third Party, Fire & Theft – Exactly what it says on the tin!

Yes, this cover will make your premium cheaper and yes, it is possible this cover may be adequate for you. But are you leaving yourself more exposed than you know? Your cover choice is not something that should be decided on a whim.

Whether it’s commercial Motor Trade, Fleet or Private Car insurance we all have the choice of what we are going to insure against at each (dreaded) renewal date. But when you are deciding here are some important covers you may not be aware Third Party, Fire & Theft doesn’t cover…

Cover Third Party, Fire & Theft Comprehensive
Driving Other Cars Benefit x Generally included, check with your insurer/ documents beforehand
New vehicle replacement x
Glass x
Accident Transport/ Vehicle Recovery Applies only if in relation to fire, theft or attempted theft incident
Medical Expenses x
Emergency Medical Treatment
Personal Belongings Kept in your Vehicle x
Replacement Locks x


The most important thing to know is that if you have an accident that is your fault, your vehicle will not be covered for any recovery or repair costs! We are already seeing an increase in the amount of claims as a result of bad weather. No one wants to fork out a large sum of money at any time let alone near the Christmas period.

Make sure your policy covers you for what you need! Paying that little extra now can save you a large sum in the future.

By Molly White Cert CIICommercial Account Handler

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