Compare Cheap Fire & Theft Car Insurance Quotes
A Fire and Theft car insurance policy covers you for damage to another vehicle or property if you cause an accident. It also protects your own car from fire damage or theft. Essentially, it covers your legal liability to a third party individual in case of a claim due to damage to their vehicle or property. It is worth noting this insurance policy will not cover repairs or damage to your vehicle in the event of a car accident with another driver. However, it does provide cover for damage or loss to your vehicle as a result of fire or if your car is stolen.
Who should consider Fire & Theft Car Cover?
This level of cover is generally more expensive than Third Party and more affordable than a Fully Comprehensive policy. Therefore, this policy may suit novice and learner drivers or motorists with vehicles worth less than €1,000. You will need to consider the cost and the benefits offered before deciding.
If you’d like us to compare quotes across Third Party, Fire & Theft, and Comprehensive policies, give us a call on 042 935 9090. We’ll be happy to help find you the right cover.
Frequently Asked Questions
What does Third Party Fire & Theft cover include?
This type of policy covers any damage you cause to another vehicle or property. It also protects your own car if it’s stolen or damaged by fire, giving you a bit more peace of mind than Third Party Only cover.
Is Third Party Fire & Theft cheaper than comprehensive insurance?
In most cases, yes. It usually costs less than a comprehensive policy but slightly more than Third Party Only, so it’s a middle-ground option for many Irish drivers.
Who should consider this policy?
It’s a good choice for learner or younger drivers, or anyone with an older car who still wants some protection if their vehicle is stolen or damaged by fire.
Does Third Party Fire & Theft cover me if my car is vandalised?
It depends on the insurer. Some policies include limited cover for vandalism or malicious damage, while others only cover theft or fire. It’s always best to check your policy wording or ask our team before buying.
Can I upgrade from Third Party Fire & Theft to Comprehensive insurance later?
Yes, most insurers will let you upgrade to a Comprehensive policy at renewal or even mid-term. It’s a good option if your car increases in value or you simply want extra protection.
We’ve been helping Irish motorists find affordable cover since 2014. Regulated by the Central Bank of Ireland and a member of Brokers Ireland.