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  • Car insurance FAQs
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THIRD PARTY FIRE AND THEFT CAR INSURANCE

The benefits of Third Party, plus added protection for your vehicle.

Protecting your vehicle with Third Party Fire and Theft insurance

When you’re looking for basic cover but Third Party insurance doesn’t give you the peace of mind you need, Third Party Fire and Theft protection for your car may be a suitable alternative to consider alongside comprehensive policies.

What is Third Party, Fire and Theft insurance?

Third Party Fire and Theft car insurance offers the next level of cover up from Third Party car insurance. It protects against the costs of any damage or injury you cause to another person, their vehicle or their property – with added cover if your car is stolen or damaged by fire.

If you’re involved in a road accident, Third Party, Fire and Theft insurance will pay to repair a third party’s car or property, but it won’t cover the costs of damage to your own car. It will also cover injuries to any passengers involved in the accident, but not injuries to yourself.

What does Third Party Fire and Theft insurance cover?

Third Party Fire and Theft insures you against:

  • Damage you cause to other vehicles in a road accident
  • Claims for injuries to passengers involved
  • Damage to other peoples’ property, for example if you crash through their garden fence
  • Damage to your car that is caused by fire
  • Theft or attempted theft of your vehicle, as long as you left it fully secured

Third Party Fire and Theft insurance will pay to repair the damage to your vehicle, replace what is lost or damaged beyond reasonable repair, or will pay cash for the amount of loss or damage caused by fire or theft. The most we will pay is the market value of your car, accessories or spare parts at the time of damage.

Saga’s Third Party Fire and Theft insurance includes:

  • Protected No Claim Discount (NCD) – if you have four or more years’ NCD, we’ll protect it against two fault claims in a three-year period.
  • Emergency any driver cover – if there’s a medical emergency during your journey, any driver can take over the driving or take your vehicle back home.
  • Cover for trips abroad – you can drive in the EU for an unlimited period with the same level of cover as you have in the UK.
  • Unlimited audio/visual cover – permanently fitted equipment is covered against fire and theft.

You can also add the option of legal protection to Saga’s Third Party Fire and Theft car insurance:

  • Legal Protection – Covers up to £100,000 to recover uninsured losses for accidents that aren't your fault in the UK and that an independent legal representative believes you can win your case.

Find out more and get a Third Party Fire and Theft quote by calling 0800 092 3195.

Who are Saga's car insurance policies underwritten by?

Saga’s car insurance policies, exclusively for people over 50, are unique products designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that provide high standards of quality and service.

What doesn’t third party, fire and theft car insurance cover?

Third Party Fire and Theft doesn’t pay for:

  • repairs to your car if it’s damaged in an accident
  • any medical treatment if you’re injured
  • replacing your car if it’s stolen when left unsecured
  • windscreen and windows replacement
  • repairs to any damage caused by vandalism
  • extras that might be included in Comprehensive insurance, such as personal belongings cover, onward taxi travel, or key protection

If you’re looking for protection against damages to yourself and to your car as well, you should look at Saga’s Comprehensive car insurance cover.

Find out more about Comprehensive car insurance

Third Party Fire and Theft FAQs
Do you need Third Party Fire and Theft insurance?

There is a legal minimum requirement to have Third Party insurance to drive your vehicle on the UK’s roads. Find out more on the government website at gov.uk.

For better peace of mind you may choose to add Fire and Theft cover to your Third Party insurance to give some protection against fire damage and theft of your own car.

As well as Third Party Fire and Theft, you might consider fully Comprehensive insurance

Get a quote for Third Party, Fire and Theft – call 0800 092 3195 or compare other Saga policies.

Can I get a No Claim Discount with Third Party Fire and Theft insurance?

You can get a Protected No Claim Discount (NCD) with Saga car insurance policies. If you have four or more years’ NCD, we’ll protect it against two fault claims in a three-year period.

Is Third Party Fire and Theft cheaper than Comprehensive?

As with all car insurance policies, one factor affecting the price you pay is the likelihood of you making a claim. With Third Party, Fire and Theft there’s a higher level of claims historically, and so policies can work out more expensive than comprehensive policies.

Third Party Fire and Theft insurance also doesn’t include the type of additional benefits that comprehensive policies often include, such an uninsured driver cover, guaranteed replacement car cover and windscreen cover, among others.

Compare Saga car insurance policies.

Does Third Party Fire and Theft cover accidents?

Third Party Fire and Theft covers third party damage, fire and theft. It covers damage to other people’s cars, passengers and property, but it doesn’t cover damage to your own car in an accident.

Also, Third Party Fire and Theft doesn’t cover windscreen damage or vandalism as standard, if you would like to find out more and find the best policy for you, find out more with Saga’s guide to car insurance.

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