Third Party Fire & Theft Cheap Car Insurance
We have discussed other levels of car insurance in previous pages and feel it's also worth discussing what Third Party Fire & Theft Car Insurance(TPFT from here on) has to offer you.
Although TPFT is still very much focused on providing cover for 3rd parties, it does offer you cover on instances that might be beyond your control such as theft or fire.
Insurance companies recognise that even tho you are a good driver, there is only so much control you have over incidents such as theft and fire. If someone steals your car then this level of insurance would cover you(unlike 3rd party), likewise with fire.
We would recommend this level of insurance to younger people as it usually allows them to buy a nice car but still pay a sensible insurance premium. They are covered in the event of someone hitting them(by the other persons insurance) and if the car is set on fire or stolen, if they are driving carelessly and crash the car they receive nothing.
This seems to be quite a fair way to deal with the matter, as long as the driver takes care and is not driving carelessly then they should be covered for any instances out of their control.
We have also created a sample list of instances where you would receive a pay out.
| Situation | Covered? | |
| You've hit someone else? |
NO
|
(Only their property is covered under your insurance ) |
| Someone has hit you? |
YES
|
(Providing you can prove they hit you) |
| Your car was stolen? |
YES
|
|
| The car was set on fire? |
YES
|
|
| The car was vandalised? |
NO
|
TPFT Insurance can be a very good way to get a car you would not be able to afford to insure under a comprehensive policy, of course there are a few drawbacks but it's certainly the most fair of the insurance levels.
