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What is Third Party, Fire and Theft Car Insurance?

Third Party, Fire and Theft covers you if you’re involved in an accident or incident where someone else’s car or property is damaged. In addition this covers protects the car in the event of fire damage. This includes accidental and criminal fire damage. It also covers you if your car is stolen or damaged if theft or attempted theft occurs.

Lloyds Bank Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What are the benefits of Third Party, Fire and Theft Insurance?

Features and benefits

  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK

Service you can trust

  • 24/7 online Self-Service Centre - manage your car insurance policy online when it's convenient to you
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim

What is covered by Third Party, Fire and Theft Insurance?

Third Party, Fire and Theft does not cover damage to your car if you’re in an accident or incident. However, it does cover the cost of damage to a third party. This would include their car, property or any medical injuries to the third party as a result of the accident or incident. Your car will be insured in the event that it is stolen or damaged due to a theft or attempted theft. The car will also be covered if it is damaged due to a fire.

Table outlines the features of Third Party Fire and Theft Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

  • Third Party damage
  • Fire
  • Theft and attempted theft

What is covered

  • loss or damage to your car and its accessories caused by fire, theft or attempted theft
  • the bodily injuries or death of a third party
  • damage to a third party’s car or property caused by your car
  • driving abroad

What is not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

Terms, conditions and exclusions apply to all benefits. Normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Third Party, Fire and Theft (PDF, 5.5MB).

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If you'd prefer to speak to someone, call us to get a quote on 0330 018 1403.

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holiday’s 10am-4pm.

Get peace of mind with additional cover options

We offer additional cover options. You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Find out more about Car Insurance upgrades

Terms, conditions and exclusions apply.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.