Third party, fire and theft car insurance
Third-party, fire and theft is the minimum level of cover we offer car insurance customers. It's there if you injure another person, or cause damage to their car or property.
Key points:
- Third party, fire and theft is the minimum level of cover Aviva offers and it provides more protection than basic third party cover. It covers injury to others, damage to their vehicle or property, and fire or theft damage to your own car.
- This type of cover will not pay for damage to your own car after an accident. It also will not cover driving someone else’s car or private treatment if you cause an accident.
- Comprehensive cover includes everything offered under third party, fire and theft, plus protection for your own vehicle. It can also include extra features such as cover for the wrong fuel or lost keys depending on your policy.
- The level of cover you choose determines what you are protected for and how much you are covered. Aviva recommends checking your policy documents so you understand exactly what is included.
What is third party, fire and theft car insurance?
While this is our lower level of cover, it gives you more cover than the basic ‘third party’ cover that everyone legally needs on the road in the UK. However, third party, fire and theft won't cover your car after an accident or you, so you'll have to pay for any damage to your own car, and for any costs if you're injured.
What is covered?
- Injury to others, including your passengers
- Damage you caused to someone else's vehicle
- Damage to someone else's property
- Theft or fire damage to your own vehicle
- A contribution towards any legal fees that might come about if you’re in an accident that you're legally liable for
What's not covered?
- Damage you caused to your own car
- Cover for driving someone else’s car
- Cover for your own private treatment if you cause an accident
- Breakdown cover, although this can usually be added as an extra
- Any punctures, cuts or bursts to your tyres
- Electrical breakdown
- Cover for you, your partner or named drivers in case of serious injury or death from a road accident
Please refer to your policy documentation for full terms and conditions.
Third party, fire and theft vs comprehensive car insurance: what's the difference?
With comprehensive cover, you're covered whether or not you're to blame.
Comprehensive includes everything covered under third-party, fire and theft, plus damage to your own vehicle and can include injury to you or named drivers.
Comprehensive cover can also include extras like using the wrong fuel or losing your car key. Some of these features might cost extra, so always check your policy documents.
Learn about the difference between comprehensive insurance and third-party fire and theft insurance
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