What is third-party fire and theft insurance?

The level sits between basic third-party and comprehensive cover, although price does not always follow that order.

Compare the actual policy benefits rather than assuming it is automatically cheaper or better for an older vehicle.

Check theft security conditions, excesses, courtesy-car provisions and whether fire damage includes related electrical or attempted-theft losses under the wording.

For 'What is third-party fire and theft insurance?', check the actual policy wording or insurer confirmation rather than assuming another driver's policy works the same way. Cover, disclosure duties and excesses can vary materially between insurers.

Check the current source for 'What is third-party fire and theft insurance?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 459.