Third Party, Fire and Theft
Third party, fire and theft offers the same cover as third party insurance but with some optional extras. Perhaps unsurprisingly, third party, fire and theft insurance will not only protect you against liability but also against incidents of fire, theft or attempted theft.
It is worth bearing in mind that if you do not keep your car locked securely at night in a garage then it is likely that you will have exclusions imposed upon you as far as insurance for theft goes. Make sure your insurance company is made aware of any safety precautions you may have taken so that you do find yourself bound by unfair exclusions.
Remember that every car insurance policy is different and that here we have tried simply to give a general guide to the type of cover offered by third party, fire and theft. Check your insurance policy for details of the exact cover that your policy offers you.
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