Empty Link Skip to Content

Third Party, Fire & Theft Insurance

Get our best car quote* online in just 3 minutes Get Quote * This is subject to minimum premium of €320

We're Human About Insurance

Make sure you're covered for the unexpected with our Third Party, Fire and Theft insurance. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you. 

How we Help

Pocket-Friendly Protection

We know that everyone wants to get value from their car insurance, so we offer competitive prices and an online discount (1) to help lower the cost of cover.

Stress-Free Cover

Excellent cover is what we do, with many benefits included as standard. We work with a number of insurers in the market so we can help you find a policy that suits your needs.

Benefits and Bonuses

Our insurers provide care as well as cover, offering 24/7 Breakdown Assistance as standard, available in Ireland, Northern Ireland, England, Scotland and Wales.

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our team is available six days a week - you can trust us to get the help you need, when you need it.

1) 10% or €50 discount will be applied (whichever is the lower). Acceptance criteria, T&Cs apply subject to minimum premium of €320. Discounts applied consecutively, new business only.

Features and Benefits

Our Third Party, Fire and Theft policy helps to protect you in case your car is burned or stolen, and if you're at fault in an accident, it covers damage to others and their property (2). Third party insurance is the minimum level of motor insurance required in Ireland and throughout the European Union (EU). We also include extra benefits like 24 hour Breakdown Assistance, so we'll be there when you need us most (3).

Breakdown Assistance

Help is just a phone call away with our 24 Hour Breakdown Assistance service, available in Ireland and the UK (3).

New
Windscreen Cover

Make sure you can see clearly with unlimited windscreen cover with AIG and FBD policies when you use our insurers' aligned repairer network (4).

Discount for No Penalty Points

Our insurers reward safe driving by offering a discount to drivers and named drivers who have appropriate licences and haven't incurred penalty points for driving offences in the Republic of Ireland. (5)

Policy
Customisable Cover

You can make sure your insurance works for you by purchasing any of the additional upgrade options such as Keycare, which covers lost or stolen keys up to €1,500 per annum for just €10 for the year (6).

2) Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your car insurance underwriter and those applicable to you will be outlined in your policy documents.
3) The driver must remain with the car. 
4) Applies to third party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva policies only. Can be added to Aviva as an additional extra (6).
5) Available on AIG and Aviva car insurance policies only.
6) This option is subject to additional charge; it is not necessary to purchase this upgrade in order to purchase the policy. 

Is Third Party, Fire and Theft Insurance Right for Me?

The answer to this question depends on a number of factors, such as the replacement value of your vehicle, the year / age of your vehicle, and what's affordable to you right now. The premium for Third Party, Fire and Theft Insurance is usually cheaper than Fully Comprehensive cover, but it also means you could be out of pocket for the cost of repairs to your own car. Learn more about our car insurance benefits here.

We value your feedback

Great value and super easy to get a quote. I was able to customise and upgrade the exact policy I needed. The experience is miles ahead of my past insurer. I would highly recommend this service!! John 17/11/2020

Good to Know

We've gathered together all the details you need to better understand your Third Party, Fire and Theft insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.


The standard policy excess on comprehensive policies is €300. You have the option to increase the excess to €600, which will reduce your premium or you may decrease the excess to €125, which will incur a slight additional premium. No excess applies to windscreen claims or to third party fire and theft cover.

Following the ratification of the Withdrawal Agreement on Friday 31 Jan 2020, the UK are no longer a member of the EU. Under the arrangements in place, UK/NI driving licences held by residents of Ireland will continue to be valid up to 31 December 2020 (the end of the transition period). As and from the 31 December 2020 a UK licence held by residents of Ireland will no longer be valid to drive here in Ireland. For that reason, UK licence holders resident in Ireland should take steps to exchange their licence for an Irish one well in advance of that date.

Voluntary excess - Consider how much you'd be prepared to pay out if you have to make a claim. The voluntary excess is the amount you volunteer to pay in the event of an accident. If you can afford to pay another €300 as a voluntary excess your annual premium costs may come down. Simply the higher your voluntary excess, the lower your quote will be.

Dependent on the licence type and occupation, driving of other cars extension may apply to your policy on a Third Party only basis. Please refer to your policy documents for full details.

Open driving is an optional cover available from An Post Insurance. Open driving allows other drivers to drive your car, with your permission, as long as they are aged from 25 to 70 years and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply.

Once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance, your certificate of insurance will be issued.

Fancy €500 to Go on a Shopping Spree?

To celebrate the launch of our newly-designed website, we're giving you the chance to win this fabulous prize. Simply get a car or home insurance quote online before the 7th December 2020 to be entered into the draw. T&Cs apply.

T&Cs

Recent Blog posts