Van Insurance

Your guide to third-party, fire & theft van insurance

A comprehensive guide to third-party, fire & theft van insurance

  • By Paddy Compare
  • 22 August 2023

It is essential to protect your van and yourself from potential risks. Third-party, fire & theft van insurance offers a middle ground between the basic third-party only cover and comprehensive insurance, providing peace of mind without breaking the bank.

With Paddy Compare, you can get cheap van insurance that also suits your needs. Get quotes from trustworthy brokers today!

In this article

What is the third-party, fire & theft van insurance?

A TPFT insurance policy covers third-party liabilities along with coverage for your van in the case of fire and theft.

TPFT insurance is a step up from third party only insurance. Third-party insurance is the basic level of van insurance required. It provides coverage for the damage or injuries caused by you to other people, their vehicle, or their property.

However, it doesn't protect you or your van. The third-party, fire & theft policy, on the other hand, provides protection for your van too, if it's damaged by fire or stolen.

What does third-party, fire & theft van insurance cover?

TPFT insurance strikes a balance between basic third party only insurance and comprehensive coverage. It offers valuable protection without high cost. Typically, a TPFT policy would provide coverage for:

  • Damage or injuries caused to other people by you.
  • Damage caused to other people's vehicles, or property in an accident.
  • Protection for your van if it gets damaged by fire.
  • Coverage in case your van is stolen
  • Coverage if your van is damaged during an attempted theft.

How much does third-party, fire & theft van insurance cost?

The price for a TPFT insurance cover can vary based on a number of factors such as:

  • The brand of your van
  • Your residential location
  • Any modification to your van
  • Your driving history
  • Extra drivers to be covered in the policy
  • Private or commercial usage of your van
  • Your yearly mileage

What's the best policy for you?

The price of your van insurance is not the right criterion to choose the best option for you. Cheap van insurance can leave you financially unprotected in cases of fire, theft and accidents where you are at fault. However, over-expensive van insurance is not worth its price if your van is low-value.

The right policy will be one that suits your needs and pays out when you need it to and fits your budget.

How can I get cheaper van insurance in Ireland?

There are a few tips that can help you cut costs on your van insurance. These are:

  • Get quotes early: Avoid waiting until the last minute to sort out your van insurance coverage. Buying van insurance earlier typically results in lower costs.
  • Add an experienced driver: You can reduce your overall risk and hence lower your premium if you add an experienced driver to your policy.
  • Pay annually: You don't have to pay interest on your premiums if you pay annually. Hence, it is a cheaper option than monthly premiums.
  • Choose the right policy: If your van's value isn't worth the premium of a fully comprehensive policy, choosing TPFT will save you money.
  • Drive safely: By driving safely and avoiding accidents and driving offences, you can build up a no-claims discount. This can get you lower insurance premiums.

What isn't covered by third-party, fire & theft van insurance?

While Third Party, Fire and Theft (TPFT) insurance offers valuable coverage, it's essential to be aware of its limitations. TPFT insurance does not cover:

  • Damage to your vehicle in an accident where you are at fault.
  • Personal injuries sustained by you by your own fault.
  • Damage to your van due to flooding.
  • Loss, theft or damage to your personal belongings.
  • Your van being stolen due to poor security measures.
  • Any damages or losses not related to third-party liabilities, fire, or theft.

What are the alternatives to third-party, fire & theft van insurance?

Besides TPFT, there are two other types of van insurance:

Third-party only Fully comprehensive
This policy will cover damages to others, their vehicle, or their property. This policy gives the most extensive protection.
It won't cover your injuries and damages to your van. You get all the coverage of TPFT.
This is the minimum level of van insurance required by the law. Your van is covered in any given accident even if it's your fault.

Ready to find the right third-party, fire & theft van insurance?

Your van is a valuable asset that needs to be timely insured. With the right van insurance, not only do you comply with the law, but also you protect your van and yourself from unforeseen events.

With Paddy Compare, you can discover the best van insurance options in Ireland. Get instant quotes, compare policies, and secure the protection you deserve, all in one place. Simply follow these steps:


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