Car insurance · Good value for older cars

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.

How getting a quote works

  1. Leave your details below. It takes 30 seconds, and no card or bank details are needed.
  2. Get a call. A licensed adviser contacts you, asks a few questions about you and your car, and gives you the premium and excess.
  3. Decide. There's no obligation. If you're happy, you accept the quote and set up the debit order with the insurer.
  4. You're covered from the start date on the policy schedule the insurer sends you.

Important: requesting a quote isn't proof of cover. You're only insured once the insurer confirms your cover in writing. Keep any existing insurance until then.

Get a Third Party, Fire & Theft quote

Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.

Sending your quote request…

Get a quote for other cover

Car insurance

Comprehensive Car Insurance

Our widest cover: your own car is covered for accidents, theft, hijacking, fire and weather, and you're covered for damage you cause to other people's property.

Priced on quote

Get a quote →
Car insurance

Third Party Only Car Insurance

The minimum sensible cover. It pays for damage you cause to other people's cars and property, so you aren't personally liable for their repair bill. Your own car isn't covered.

Priced on quote

Get a quote →
Add-on cover

Scratch & Dent Cover

Pays for small cosmetic repairs, like scratches, scuffs and minor dents, through a smart repair network, without a claim on your main car insurance.

Priced on quote

Get a quote →
Add-on cover

Car Warranty (Mechanical Breakdown) Cover

Covers the cost of repairing or replacing covered mechanical and electrical parts that fail suddenly, which car insurance doesn't cover.

Priced on quote

Get a quote →

Third Party, Fire & Theft questions

Can I get this on a financed car?+

Usually not. Finance houses require comprehensive cover until the car is paid off.

Do I need a tracker for theft cover?+

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.

When does my cover start?+

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.

Is it safe to request a quote online?+

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.

Tracker Prices 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.