Third Party Fire and Theft vs. Comprehensive cover? Third party cover is the minimum legal standard in the UK. Third Party Fire and Theft covers you for loss or damage caused by fire or theft of your own vehicle as well as damage to other people’s property or injuries you may cause them. It does not cover any accidental damage you may cause to your own vehicle.

Comprehensive cover includes everything that is covered by third party fire and theft as well as protecting you against accidental damage to your own vehicle.