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) tick tick
Liability to other people tick tick
No claims discount for you and other named drivers tick tick
Child seat replacement cover – we don’t take risks with your child’s safety tick tick
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
tick tick
Tailor your cover
RAC Breakdown Cover Optional tick
Bronze level cover only
Motor legal protection - cover your expenses if you have to go to court Optional tick
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