Car Insurance

Your Guide To Third Party Fire And Theft Car Insurance In Ireland

Learn about third party fire and theft car insurance in this guide.

  • By Paddy Compare
  • 14 April 2023

There are three types of car insurance covers to choose from:

  1. Third party
  2. Third party fire and theft
  3. Comprehensive Car Insurance

Third party fire and theft or TPFT car insurance offers the same things as third party (only) policy with an additional coverage if your car is damaged by theft, stolen or damaged by fire.

With Paddy Compare, you can make an informed choice by choosing the best car insurance coverage in Ireland, for you!

This guide covers everything you need to know about third party car insurance, so read on to find out if this type of car insurance suits your needs!

In this article

Third Party Fire and Theft Insurance in Ireland

Third party fire and theft car insurance is a basic policy that protects your car against fire and theft. A TPFT policy is one step up from third party only. It covers your costs if your car is damaged by theft, stolen or damaged by fire.

How are third-party only, third party fire and theft, and comprehensive car insurance policies different?

Third-Party (Only) Third-Party, Fire and Theft
The legal minimum cover you must have in Ireland This is an upgraded version of the third party (only) policy.
Third-party car insurance is limited to covering the damage you cause to other vehicles and people. It provides coverage for your car in case of a fire or if your car is stolen.
Your car won’t be covered under this level if it’s damaged or stolen. It provides cover in case you cause damage to someone else’s car or property.

Benefits of getting a Third Party Fire and Theft car insurance policy

Third party fire and theft may be the right option for you if:

  • Your car value is low
  • Your car is not expensive to repair
  • Youcan undertake basic repairs yourself

Here are some other factors to consider when buying car insurance.

What all does Third Party Fire and Theft cover?

  • Any damage you cause to someone else’s car or property
  • Any injury caused to someone else
  • Replacement in case your car is stolen
  • Damage caused by an attempted theft
  • Repair or replacement of your car in case of fire damage

What is excluded in a Third Party Fire and Theft policy?

  • Damage to your car or injuries to you if the accident was your fault
  • Any flood damage to your car
  • Your car was stolen due to a lack of proper security
  • Loss, theft, or damage to your personal belongings
  • If your windscreen needs to be repaired or replaced
  • Fire damage caused by mechanical, electrical, or electronic failure

Ensure 2-layer protection for your car by considering additional coverage (Add-Ons) when buying Car Insurance.

How much does third party car insurance cost?

Out of the three types of car insurance policies available in Ireland, Third party fire and theft is considered to be the middle option for your car. The cost of this type of policy is calculated based on a number of factors including:

  • The make and model of your car
  • Where you live
  • Your driving history
  • Type of use for the car
  • Your annual mileage
  • Any modifications made to your car
  • Additional drivers on the policy

Also, check out our guide about how to get the cheapest car insurance in Ireland.

How can I get cheap car insurance quotes in Ireland?

With Paddy Compare you can compare car insurance quotes in Ireland, in a matter of minutes! Simply follow these steps:

Step 1
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Step 2
Tell us about yourself

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Step 3
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