This cover is a basic form of Motor Insurance that provides cover for accidental damage caused to another person’s vehicle. In addition to this, your car is covered in the event of theft, hijacking or fire. This type of insurance does not extend cover for accidental damage to your own vehicle. 

Third Party, Fire and Theft Insurance is usually slightly cheaper than Comprehensive cover as it does not cover the damages or losses to your vehicle in the event of an accident. In this instance, you have to pay for the repairs and or replacement parts yourself. 

If your car is inexpensive to repair, or you do not drive very often or for long periods at a time, Third Party, Fire and Theft Car Insurance might be more suitable.