Insurance Glossary

Third-party, fire and theft

Last reviewed 25 July 2026 · by the Savvy Insurance editorial team

What is third-party, fire and theft?

Third-party, fire and theft covers damage you cause to others, plus fire and theft of your own vehicle - but not accidental damage to your own car. It sits between comprehensive and third-party only.

Example

With third-party, fire and theft, his stolen car was covered but a fender-bender wasn't.

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