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Comprehensive insurance vs third party, fire and theft

Choose cover that meets your needs

Levels of cover

There are two main types of car insurance cover; third party, fire and theft or comprehensive.

The kind of car insurance you choose will depend on what level of cover you want for your car, how much you want to pay for your insurance, how often you drive and the age and value of your car. We’re here to make your decision a little easier so we’ve laid out the differences and benefits of each.

 

Comprehensive insurance - safety first, woman putting baby in baby seat

What is comprehensive?

Comprehensive car insurance will protect you for everything covered under third party, fire and theft along with any windscreen or accidental damage.

Third party, fire and theft insurance - cars in grindlock on busy road

What is third party, fire and theft?

Third party, fire and theft insurance will cover you if your car is damaged by theft or attempted theft, stolen, or damaged by fire. In the event of an accident, it will cover claims made against you by other people for personal injury or damage to their property.

What you get

Both levels of cover come with:

  • Great discounts that keep your costs down
  • Optional covers and extras so you can tailor your policy to suit your needs
  • Cover if you're driving in Northern Ireland, Great Britain, the Isle of Man and the Channel Islands
  • And then there are the benefits

Which cover is right for you?

The difference between the two is simply the level of cover you get. Our handy comparison table lets you compare the features and benefits of our comprehensive and third party, fire and theft insurance so you know you're getting the policy that's right for you.

Comprehensive

What's covered

  • Loss of or damage to the car by: accidental means
  • Loss of or damage to the car by: fire, theft and attempted theft
  • Injury to someone else
  • Damage to someone else's property
  • Breakdown rescue cover
  • Replacement lock cover
  • Towing charges
  • Third Party cover to drive other cars*
  • New car replacement**
  • Fire brigade charges (Up to €1000)
  • Windscreen cover
  • Protected NCD - theft claims
  • Personal belongings cover (Up to €150)**
  • Radio/audio equipment up to €650 or 5% of vehicle value, whichever is less**
  • Standard accidental damage excess: €300
  • Legal expenses

What's not covered

  • Fire and Theft excess

What's optional

  • Step-Back NCD
  • Protected NCD with Step-Back
  • Personal Accident Benefit (JW)

Third Party, Fire and Theft

What's covered

  • Loss of or damage to the car by: fire, theft and attempted theft
  • Injury to someone else
  • Damage to someone else's property
  • Breakdown rescue cover
  • Replacement lock cover
  • Towing charges
  • Third Party cover to drive other cars*
  • New car replacement**
  • Fire brigade charges (Up to €1000)
  • Protected NCD - theft claims
  • Personal belongings cover (Up to €150)**
  • Radio/audio equipment up to €650 or 5% of vehicle value, whichever is less**
  • Legal expenses

What's not covered

  • Loss of or damage to the car by: accidental means
  • Standard accidental damage excess
  • Fire and Theft excess

What's optional

  • Windscreen cover
  • Step-Back NCD
  • Protected NCD with Step-Back
  • Personal Accident Benefit (JW)

Car trouble can happen to anyone, but with Aviva car insurance, breakdown rescue cover comes as standard. Learn more about what to do in the event of an unexpected breakdown.


Need more information?

Our MotorCare Policy Booklet covers everything you need to know about our Comprehensive and Third Party, Fire and Theft car insurance, from terms and conditions to full details of our benefits.

If you're already an Aviva car insurance, check your policy schedule for your exact cover and any extra benefits or amendments that may apply.


Policy details

Important information about your car insurance. You may find our glossary of terms helpful when reviewing your car insurance documents. Our assumptions are also available to you.

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* The cover only applies to policyholders (proposer) who hold a full EU or UK driving licence. Certain occupational restrictions apply.

** For fire and theft damage only in relation to Third Party Fire & Theft policies.

1. Acceptance criteria, terms and conditions apply. All discounts applied subject to a minimum premium of €280 for car.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland.

Car insurance and home insurance are underwritten by Aviva Insurance Ireland DAC.

Aviva Insurance Ireland Designated Activity Company, trading as Aviva, is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No. 605769. Registered Office: One Park Place, Hatch Street, Dublin 2, Ireland, D02 E651.