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Learn about Third Party Car Insurance

Want to better understand third party car insurance? Then you have come to the right place. Learn more about third party car insurance below.

What is third party property insurance?

Third party property car insurance is optional insurance for your legal liability when you’re responsible for a car accident causing damage to a third party’s car or property. Third party property insurance doesn’t provide cover for loss or damage to your vehicle.

What does third party property insurance cover you for?

Third party property car insurance covers accidental loss or damage caused by your car to someone else’s property or vehicle. This is different to third party fire and theft as it doesn’t provide cover for loss or damage to your vehicle caused by fire or theft.

What is third party, fire & theft insurance?

Third party fire and theft car insurance is designed to cover you when your vehicle is stolen or damaged by fire. It is protection and covers you if you’re responsible for any damage your car causes to another vehicle or someone else’s property.

What is the difference between third party property damage insurance and third party fire and theft insurance?

Both car insurance policies provide cover when you are responsible for a car accident that causes damage to someone else’s car or property. However, third party fire and theft insurance also provide cover for loss or damage to your vehicle caused by fire or theft.

Is third party fire and theft cheaper than comprehensive?

Third party fire and theft generally cost less than comprehensive car insurance as it doesn’t cover damage to your own car in an accident. It is a policy option combining a broad range of cover that generally cost less than comprehensive insurance as the policy doesn’t cover as many factors.

Should I get third party fire and theft insurance?

Third party fire and theft car insurance is designed to cover you when your vehicle is stolen or damaged by fire, or damages caused to someone else’s vehicle or property in an accident that you’re responsible for.

If you’re looking for coverage, these are some reasons why people choose third party fire and theft:

  • If you park your car on an urban street
  • If your city is densely populated
  • If you live in an area that has a high risk of fires

What is the difference between comprehensive and third party fire and theft?

Comprehensive car insurance covers damage to your car whereas third party, fire and theft do not when an accident is deemed your fault. Comprehensive is a higher level of insurance and therefore has you covered more than third party, fire and theft.


Disclaimer

Any advice is general only and does not take into consideration your personal circumstances. Before acting on any information contained in this article you should consider if the advice is appropriate for your personal objectives, financial situation and needs.

Real Insurance is an award-winning provider of car insurance.

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