Third Party, Fire and Theft Insurance Comparison

Compare Cheap Third Party, Fire and Theft Insurance

  • Find cheap TPFT Insurance insurance in a matter of minutes
  • Compare 110+ providers & save up to £504*
  • Top deals from many of the UK’s best insurance providers

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Third Party Fire and Theft Insurance

Compare Third Party Fire and Theft Insurance

Hoping to find cheap third party fire and theft cover? At we can compare deals across a wide range of UK providers and help you find great, competitive insurance deals.

What is third party fire and theft insurance?

Third party fire and theft insurance (or TPFT insurance) is a medium coverage car insurance policy. If you cause an accident it covers any damage you’ve made to any third parties, their vehicles or property, but it won’t cover any damage to you or your car. You’ll also be protected against any car damage caused by fire or a break-in and receive compensation if your car is stolen.

Is third party fire and theft worth it?

For most drivers, fully comprehensive car insurance offers the best level of cover, but third party fire and theft can be a good option for drivers who’re struggling to get insurance or finding fully comp premiums too high. This might be the case if you have a history of convictions or are considered high-risk by insurers because of age or other factors.

With TPFT insurance you’ll be covered for any third party damage and benefit from additional fire and theft protection. You will, however, have to pay the costs of repairing or replacing your own car if you cause an accident.

What’s the difference between third party fire and theft and comprehensive insurance?

Fully comprehensive car insurance offers the highest level of protection. You’ll typically be covered for damage and losses caused by theft, fire or vandalism. If you’re at fault in an accident it also covers you and your car as well as damage to a third party, their vehicle and property.

Third party fire and theft insurance offer less protection, but still covers damage to third parties if you cause an accident, as well as fire and theft.

Third party fire and theft insurance can be considered as a compromise between the minimum third-party only cover and fully-comp.

How can I find cheap third party fire and theft cover?

A great first step in finding cheap third party fire and theft insurance is to compare quotes from different providers. Using our free comparison service at you can fill in one simple form and collect TPFT insurance quotes from multiple UK providers.

Other factors that can help reduce the cost of your premium include:

  • Opting for a cheaper car model
  • Choosing a higher excess on your policy
  • Proving you’re not a high-risk driver by getting a black box fitted
  • Taking extra security measures like secure overnight parking or fitting a car alarm
Compare third party fire and theft insurance with

At we always recommend comparing TPFT insurance quotes before deciding on a provider. With our free, no-fuss comparison tool, you can quickly compare deals across different UK insurers and find the right deal for you.

Taking out a less comprehensive policy will not always save you money, in fact many insurers are aware that riskier drivers opt for lower coverage options. This can be reflected in their premium prices and the amount of cover offered by a comprehensive policy may mean it’s worth spending slightly more.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Big Cat Ventures Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.