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Third Party Insurance

Third Party Fire and Theft Car Insurance

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What is third party fire and theft car insurance?
The third party fire and theft is one of the three car policies you can buy where the insurance company insures you loss or damage to your own vehicle due to accidental fire or theft. Apart from that, just like third party cover you are also covered for liabilities to other parties for injury or death, damage to other party's property.
Alternative to third party fire and theft car insurance
Third Party Fire & Theft Car Insurance Malaysia
Is third party fire and theft car insurance right for me?
Can I afford to repair my own car?
Is your area at risk of perils?
Is your area at risk of perils?
This policy is suitable if you are a new driver, if you drive an old vehicle or if you travel less. In case your old car is damaged, you only spend a small amount for repairs compared to paying a high monthly premium for policies like comprehensive cover.
Owning an old and cheap car is not the only factor to be taken into account while purchasing this third party policy. The following situations should also be taken into consideration.
If your car repair costs are affordable, then you should take up this cover since it's cheaper and covers only for third parties. For cases where you can’t afford to repair/replace your car and it is at risk of natural disaster then comprehensive car insurance may be your best option!
What does third party fire and theft policy cover?
Third party, fire and theft car insurance offers cover for three things – third party damage, fire and theft. It’s very important to remember that this type of insurance doesn’t cover the costs of damage to your own car.

Third Party Damage
Third Party Damage
This policy facilitates you differently for the two scenarios.If the accident is at your fault - Third Party Fire and theft covers for the injuries to third party and for the damage of third party’s vehicle or properties.If the accident was at other driver’s fault - You are not required to make any claims as it will be covered by their insurer.
Fire and Theft
Fire & Theft
This policy also covers if your car is stolen,damaged due to theft attempt or damaged due to fire. You may not be able to claim if your car is damaged by fire due to electrical failures or if while driving you faced an accident that is not listed in your policy.
Comprehensive
Death or Injury to Other PartiesYes
Damage to Other Parties’ PropertyYes
Loss or damage to own vehicleYes
Damage to own vehicle due to accidentYes
Third Party, Fire and Theft
Death or Injury to Other PartiesYes
Damage to Other Parties’ PropertyYes
Loss or damage to own vehicleYes
Damage to own vehicle due to accidentNo
Third Party
Death or Injury to Other PartiesYes
Damage to Other Parties’ PropertyYes
Loss or damage to own vehicleNo
Damage to own vehicle due to accidentNo
Frequently Asked Questions
What’s the difference between third-party, fire and theft and other car policies?

How do I renew or apply for third party, fire and theft car insurance?
Who needs third party, fire and theft car insurance?
How can I save money on third party, fire and theft car insurance?

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