Third Party Fire and Theft Car Insurance

What is Third Party Fire and Theft Insurance?

Third party fire and theft covers you if your car is stolen, damaged by fire or by anyone attempting to steal it. It also covers any third party, and damage to their property if you’re at fault.

What do I get?

  • Legal liability, unlimited cover for death or injury to other people
  • Up to £20 million to cover any damage you do to another person's property with your car
  • 5-Year Repair Guarantee - it’s a win win for you, so long as one of our recommended repairers is fixing your motor
  • In car entertainment cover on your permanently fitted electronic equipment if it's damaged

Limits may apply, please check our policy booklet.

What’s the difference between third party fire and theft and fully comp?

Although Third Party Fire and Theft Insurance still gives you more than the legal minimum, it’s worth thinking about what you would have to cover out of your own money if:

  • You were at fault in an accident and your own car was damaged
  • You got any injuries from an accident you were at fault for
  • Your car was damaged by severe weather such as floods

 

A comprehensive insurance policy includes:

  • Unlimited legal liability cover if you cause death or injury to another person when driving
  • Up to £20 million to cover any damage you do to another person's property with your car
  • Courtesy car while your motor is being fixed at one of our recommended repairers, following an accident
  • 5-Year Repair Guarantee when one of our recommended repairers is fixing your motor​
  • In car entertainment cover on your permanently fitted electronic equipment if it's damaged
  • Windscreen Cover. From small chips to big cracks, our specialists will do a top job repairing or replacing your windscreen
  • Up to £200 cover for your handbag and anything inside it if it's lost or stolen from your car

 

Will third party fire and theft insurance cover me for what I need?

You need to think carefully about what you want to be covered for, we can only highlight the differences between the levels of cover and can’t recommend what option you should take.

You could choose Third Party Fire and Theft Insurance if:

  • Your car is cheap to fix
  • You can afford to replace your car if it’s written off after an accident
  • You don’t need any cover for injuries you may get in an accident

The benefits of being with Sheilas’ Wheels

  • At Sheilas’ Wheels we can offer customers who meet our criteria the opportunity to buy No Claim Discount protection. So if you’re a safe driver you’ll still get your No Claims Discount regardless of how many claims you make
  • If you’ve got a question, we’ve got the answers – day or night, with our 24-hour motor legal advice helpline line
  • Going on a road trip? The great news is that we automatically give you European car insurance which lasts for 90 days and is the same cover you would have in the UK, absolutely free when you're driving in any country in the EU. It covers any additional driver on your policy too, so you can share the driving. Find out to see what countries we can cover you for at our European Cover page!
  • If you’re involved in an accident and have made a claim we’ll give you £100 towards the cost of a new car seat for your child, even if there is no visible damage!