What is third party, fire and theft insurance?
If you’re in an accident that’s your fault, third party car insurance (the minimum level of cover you need to have by law) protects other people, as well as their cars and property.
With third party, fire and theft car insurance, you’ll also be protected if your car is damaged by fire, or if it’s stolen. And if an attempt to steal your car results in damage you'll be covered for that too.
Our third party, fire and theft policy makes sure you have the basics covered.
Key benefits
- Third party insurance covering your liability to others in an accident
- Cover for any damage to your car caused by fire or theft
- Earn a no claims discount for you and other named drivers
- Enjoy up to 35 days of full insurance cover to drive in any EU country, as well as Iceland, Norway and Switzerland
- Discount on your car insurance just for being a Nectar member‡
See all the details of what our third party, fire and theft car insurance covers below.
More information
What we cover
If you’re in an accident, we want you to feel confident that you’re covered for all the essentials.
| Third Party, Fire & Theft | Standard | Plus |
|---|---|---|
| Your car is covered for loss or damage caused by fire or theft |  |
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Liability to other people |
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No claims discount for you and other named drivers |
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A replacement car seat for your child after an accident |
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European cover - up to 35 days of full cover to drive in any EU country, as well as Iceland, Norway and Switzerland |
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Tailor your car insurance
| Third Party, Fire and Theft | Standard | Plus | |
|---|---|---|---|
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Optional |
Bronze level cover only |
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Motor legal protection - we’ll cover your expenses if you have to go to court |
Optional |
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Guaranteed courtesy car - get a courtesy car the same size as your insured car |
Optional |
Optional |
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No claims discount protection - don’t lose your discount if you need to make a claim |
Optional |
Optional |
Cover limits, exclusions and excesses apply. For more detail about what’s covered and what’s not, take a look at our policy documents.
If you’d like to compare third party, fire and theft with our comprehensive car insurance, go to choose your cover.
Ready to get your quote?
If you’re a Nectar member, you can get a discount on your car insurance.
Not a Nectar member? No problem, just download the Nectar app or register at nectar.com
What car insurance cover should you get?
Third party, fire and theft not quite what you’re looking for? We also offer comprehensive car insurance, which is a higher level of cover for you and your car.
Or, tailor your policy to include the features that matter to you. You can add breakdown cover, motor legal protection, and more for an extra fee thanks to our optional extras.
Useful guides
Guide to car insurance
Find out what you need to know about car insurance and why it’s essential
Glossary
Check our handy glossary for definitions of lots of car insurance terms
Young drivers’ car insurance guide
Find out how to reduce the cost of your young drivers car insurance
Terms and conditions
‡ Guaranteed discount
The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.