Third Party, Fire & Theft Car Insurance
Covers your car against theft, hijacking and fire, and covers you for damage you cause to other people's property. It doesn't pay for accident damage to your own car.
What's covered
- Theft and hijacking of your car
- Fire damage to your car
- Damage you cause to other people's cars and property (third-party liability)
What's not covered
- Accident damage to your own car
- Hail, storm and vandalism damage to your own car (usually)
- Mechanical and electrical breakdown
- Wear and tear
A summary only. The insurer's policy wording, sent with your quote, sets out the full cover, limits and excesses.
Who it's for
Older cars you own outright, where you could pay for accident repairs yourself but losing the car to theft would hurt. Read our full guide.
Optional extras you can ask for
- Car hire after theft or hijacking
- Insure at retail value
How it works: leave your details below and a licensed adviser calls you with the premium and excess. There's no obligation, and you're only covered once the insurer confirms your cover in writing.
Get a Third Party, Fire & Theft quote
Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.
Get a quote for other cover
Comprehensive Car Insurance · Third Party Only Car Insurance · Scratch & Dent Cover · Car Warranty (Mechanical Breakdown) Cover
Third Party, Fire & Theft questions
Usually not. Finance houses require comprehensive cover until the car is paid off.
On some models and above certain vehicle values, insurers require an approved tracker for theft and hijack cover. Tell us on the form whether one is fitted and the insurer will confirm any requirement.
Only once our licensed partner insurer confirms your cover in writing and your first premium or debit order is set up. Requesting a quote is not proof of cover.
Yes. We only ask for what the insurer needs to quote you. We never ask for card or bank details on this site. If you decide to take the cover, the debit order is set up directly with the insurer.
TrackerPrices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.