Third Party, Fire and Theft Insurance

To get insurance for your vehicle, you need to know what policy best suits you. Aviva’s third party, fire and theft insurance helps to ensure you’re covered for the unexpected.

What does third party, fire and theft insurance mean?

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.

Why choose Aviva for third party, fire and theft insurance?

At Aviva,  it’s important to us to provide our customers with the best value car insurance product that can also be tailored to meet your individual needs This is why we offer great additional benefits and discounts for our policyholders. Some of these include:

  • 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
  • We know unexpected breakdowns can happen, which is why breakdown rescue cover comes as standard with Aviva
  • And then there are the extra benefits for Aviva Customers

Get a car insurance quote

Use our simple form and fill out a few basic details. We will also give you a 15% discount when you buy online.³

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What is covered under third party, fire and theft insurance cover?

At Aviva our third party, fire and theft car insurance provides the following cover subject to the policy terms, conditions and cover limits.

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 carsFootnote [1]
  • New car replacementFootnote [2]
  • Fire brigade charges (Up to €1000)
  • Protected No Claims Discount (NCD) – fire, theft, windscreen claims
  • Personal belongings cover (Up to €500)Footnote [2]
  • Radio/audio equipment up to €650 or 5% of vehicle value, whichever is lessFootnote [2]
  • Legal expenses

What’s not covered

  • Third party, fire and theft doesn’t cover accidental damage caused to your vehicle. For example, if you damage your car in a single-car incident.

Customise your coverage with our optional covers and extras

Tailor your policy to you with our optional covers and extras, giving you the best cover for your needs. These optional covers and extras do no need to be purchased to access our third party, fire & theft cover. Explore our additional cover options.

Windscreen cover

Step-Back No Claims Discount (NCD)

Protected No Claims Discount (NCD) with Step-Back

JourneyWise accident cover

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.


Is third party, fire and theft car insurance the right cover for you?

Choosing between the two types of car insurance coverage: Comprehensive or Third Party, Fire and Theft, will depend on what level of cover you want and need. If you don’t drive regularly and want a more affordable option but are able to pay for the cost of repairs if your car is damaged, third party, fire and theft insurance may be the best option. But if you drive every day and want the maximum level of coverage, it may be worth investigating comprehensive cover.

Looking for Car Insurance?

Get 15% online car insurance discount when you buy onlineFootnote [3]

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 customer, 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.

Cover that's right for you? We've thought of that

Each driver's needs are different but that doesn't mean your policy needs to be.

Our car insurance is suitable for everyone who's on the lookout for a great value online quote.

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Our car insurance benefits include a No Claims Discount of up to 50% and a straight forward claims process, giving you peace of mind whatever your age.

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