Third Party Fire & Theft Car Insurance in Ireland
Affordable Cover You Can Trust
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Third Party, Fire and Theft cover that protects you against damage to others and protects your own car from fire and theft, from a panel of trusted Irish insurers. Save up to €60* when you quote online.
*Available at time of display. 15% discount or €60 off car insurance will be applied (whichever is the lower). Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts applied consecutively, not available on BoxClever product, new business customers only. Best Price available online.
What is Third Party, Fire and Theft Insurance?
Third Party, Fire, and Theft car insurance covers damage or injury you cause to other people while driving, plus protection for your own car if it is stolen or damaged by fire. It does not cover accidental damage to your own vehicle. TPFT is the most affordable level of cover available from An Post Insurance, making it a popular option for young drivers or those with older, lower-value cars. An Post Insurance searches across our panel of leading Irish insurers to find you the most competitive price.
What's covered vs what's not covered
If you're confused about what's covered and what's not covered in a Third Party, Fire, and Theft policy, check out our simple comparison table below.
| Area | What it covers | What it does not cover |
| Damage to other people's property | Covered up to €30 million | - |
| Injury to other people | Covered – unlimited | - |
| Fire damage and theft | Loss or damage caused by fire, theft, or attempted theft | Accidental damage to your own car |
| Fire brigade charges | Covered – limits vary by insurer (Aviva €1,000 / AIG €1,500 / FBD €2,000 / Allianz €2,025) | - |
| Damage to your own car | - | Not covered if the accident is your fault |
| Windscreen damage | Included as standard with AIG and FBD. Available as an optional extra with Aviva and Allianz. | Not included with all insurers |
| Breakdown assistance | Included as standard with Aviva, AIG, and FBD. Not available with Allianz on TPFT policies. Not available on BoxClever1 | Not included with all insurers |
For example, if you hit another vehicle at a junction and cause damage, your TPFT policy covers the other driver's injuries, their vehicle, and their property, but it does not cover the repairs to your own car. You would need to pay for those repairs yourself. If another driver hits you and the accident is their fault, the claim would be pursued under their insurance policy.
Cover limits and terms vary by insurer. Refer to your policy booklet for the specific limits that apply to you.
1) BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Is Third Party, Fire and Theft Insurance Right for Me?
Whether Third Party, Fire, and Theft insurance is the right choice for you depends on a couple of key factors, including the value and age of your car, how often you drive, and your personal budget.
This type of cover is usually cheaper than fully comprehensive insurance, making it a popular option for young drivers or those with older and lower-value vehicles.
However, you must be comfortable paying for repairs to your own car if you're involved in an accident as Third Party, Fire, and Theft cover only covers damage caused to other people, their vehicles and their property, along with cover for fire damage, theft, or attempted theft of your car.
For newer or more expensive vehicles, fully comprehensive insurance may offer greater peace of mind by covering accidental damage to your own car as well as third-party claims. It also includes a range of benefits that usually cost extra in Third Party, Fire, and Theft policies.
We can help you find the right cover for your needs.
What do I need to get a quote?
Getting a quote takes just a few minutes. Before you start, have the following ready: your personal details (name, date of birth, address, occupation), your driving licence information, your car's details (registration number, make, model, year, engine size, annual mileage – if you have your registration to hand, most vehicle details are filled in automatically), your driving history (claims, penalty points, endorsements, convictions, and any previous refusals of insurance), and your No Claims Discount details. Once submitted, you will be presented with the most competitive price from our panel of insurers.
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The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Third Party, Fire and Theft FAQs
TPFT covers damage or injury you cause to other people and their property (up to €30 million), with unlimited cover for personal injury to third parties. It also covers fire damage, theft, or attempted theft of your own vehicle, and fire brigade charges (limits vary by insurer: Aviva €1,000, AIG €1,500, FBD €2,000, Allianz €2,025). It does not cover accidental damage to your own car.
TPFT does not cover accidental damage to your own vehicle. If you have an accident that is your fault, you will need to pay for your own repairs. Windscreen cover is included as standard on TPFT policies with AIG and FBD, and is available as an optional extra with Aviva and Allianz. Breakdown assistance is included as standard on TPFT policies with Aviva, AIG, and FBD, but is not available on Allianz TPFT policies or BoxClever* Telematics policies.
*BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Often, yes, but not always. TPFT is generally the more affordable option, but depending on your driving history, car type, and insurer, comprehensive cover can sometimes be cheaper. The best approach is to get a quote. An Post Insurance searches across our panel of leading Irish insurers and presents you with the most competitive price for your chosen cover level.
If the accident is your fault, your TPFT policy covers damage to the other party but not to your own car. If the accident is the other driver's fault, their insurer should cover your repairs. If the other driver is uninsured, your claim will be dealt with directly by the Motor Insurers' Bureau of Ireland (MIBI).
Breakdown assistance is included as standard on TPFT policies with Aviva, AIG, and FBD. It is not available on Allianz TPFT policies or BoxClever* Telematics policies. If your policy includes breakdown assistance, it covers mechanical breakdowns, punctures, lost keys, and towing. Up to one hour of roadside assistance is provided. Visit our Breakdown Assistance page for full details.
*BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Yes, all An Post Insurance car insurance policies provide cover within the EU. The number of days and specific countries covered may vary by insurer. Check your policy documentation before you travel. If you need cover for longer than the standard period, this can be extended upon referral and charges may apply.
This depends on your policy and insurer. Some TPFT policies include driving other cars (DOC) cover on a third-party basis, but this is not guaranteed. Check your policy documents or certificate of insurance before driving another person's car.
Yes, you can upgrade your cover level at renewal, or mid-term if you are changing your vehicle by contacting An Post Insurance on 0818 22 22 22. Your premium will be recalculated based on the higher level of cover.
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