What is third party, fire and theft car insurance?
Third party insurance (or third party liability insurance) is the minimum car insurance you must have by law. If you're in an accident where you were at fault, it protects other people, their cars and property. But any repairs to your car have to come out of your own pocket.
Third party, fire and theft works in the same way as third party car insurance, but your car is covered if it is damaged by fire, stolen, or if a failed attempt to steal it results in damage to the car.
What we cover
With our third party, fire and theft cover, you can feel safe in the knowledge that the essentials are taken care of. Plus, we've added a few other things to put your mind at rest.
|Third Party, Fire & Theft||Standard||Plus|
|Loss or damage to your car (by fire and theft)|
|Liability to other people|
|No claims discount for you and other named drivers|
|Child seat replacement cover – we don’t take risks with your child’s safety|
|European cover - we'll give you up to 35 days of your full cover to drive in any EU country, as well as Iceland, Norway and Switzerland
|Tailor your cover|
|RAC Breakdown Cover||Optional||Bronze level cover only|
|Motor legal protection - cover your expenses if you have to go to court||Optional|
|Guaranteed courtesy car - upgrade your courtesy car to a car the same size or bigger than yours||Optional||Optional|
|No claims discount protection - keep your discount when you make a claim||Optional||Optional|
|Key cover - get replacement locks and keys if you're locked out||Optional||Optional|
For a full list of what's covered – and a comparison with comprehensive car insurance – go to choose your cover.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar account. For more information go to sainsburysbank.co.uk/nectar