Third-Party Fire And Theft Car Insurance

10% cashback on your premium

You always pay IN, so why shouldn’t you get something OUT! We'll reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your car insurance premium (less taxes and levies) back in cash when you hold your policy claim-free for 3 years. *Terms & conditions apply

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What is third-party fire and theft car insurance cover?

Third-party fire & theft car insurance has many great benefits as it incorporates a range of cover that insures you against the cost of liability to others and theft of your vehicle. Third-party fire and theft does not cover accidental damage to your vehicle.

If you would like to be covered for accidental damage to your vehicle, consider our comprehensive car insurance cover option.

With OUTsurance, this type of policy covers you for:  

  • Injury claim made against you by a third party.
  • Damage due to a fire,  theft or attempted theft.
  • Property claim made against you by a third party, subject to a maximum claim amount of €30 million.
Overview
What does third-party fire and theft insurance cover?
OUTsurance’s third-party fire and theft car insurance policy has you covered for the injury of others alongside a range of features and benefits as standard. However, if you want the costs of any repairs to your car to be covered in an accident, you’ll need OUTsurance’s comprehensive car coverage. The following table highlights our third-party fire and theft car insurance cover, features, and benefits.
Third-party fire and theft
Fire
You are covered for loss or damage to your vehicle as a result of fire up to the market value of your car.
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Theft or attempted theft
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Third-party property damage
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Third-party injury
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Driving of other cars
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Driving abroad
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Click below for important documentation:

 

Car insurance policy booklet  |  Terms of Business  |  Car insurance IPID

Customer reviews

Switching to OUTsurance could mean savings on your home and car insurance. Hear what OUTsurance customers are saying about their experience.

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Customer reviews

Why choose OUTsurance third-party fire and theft insurance?

At OUTsurance, you always get something OUT. Take advantage of cashback on your car insurance premium, great service, value-for-money prices, and car insurance tailored to your needs.

Passion for service
Passion for service

We are passionate and honest about how we operate. We believe in offering a quality service experience at all times. From Car Insurance sales to Car Insurance claims and everything in between, we are a people business that’s here for you.

Cashback with OUTbonus
Cashback with OUTbonus

We will reward your loyalty and claims record with a recurring cash payout that we call the OUTbonus. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.* Read terms & conditions.

Decades of experience
Decades of experience

The OUTsurance Group has 25+ years of experience in business, building a trusted reputation in South Africa and Australia, placing customers at the centre of everything we do. Our insurance policies include an attractive range of features and benefits as standard, with optional covers to suit your needs. Learn more about the OUTsurance Group.

Value-for-money prices
Value-for-money prices

We take the time to learn about you and your unique car usage. We ask a number of questions to ensure we achieve a fair and accurately priced premium for your insurance needs.

Efficient with claims
Efficient with claims

We understand that you need us most when things go wrong. That's why we're committed to making the claims process as quick and easy as possible.

Irish-based company
Irish-based company

We are an Irish-based insurance company located in Cherrywood, Dublin. Our call centre agents will support and assist you with getting the right level of insurance cover.

Frequently asked third-party fire and theft car insurance questions

What exactly is third-party fire and theft (TPFT) car insurance?

OUTsurance’s third-party fire and theft car insurance covers the damage that you cause to other people or their car, in the event of an accident. It does not cover your car in the event of an accident. In addition, you are also covered for the loss of your car due to fire or theft.

Does third-party fire and theft insurance cover accidental damage to my car?

No, TPFT does not cover accidental damage to your car unless caused by fire or theft.

Will third-party fire and theft cover a stolen car?

Yes, if your car is stolen, OUTsurance’s TPFT will provide coverage for its loss, T&C apply.

Does third-party fire and theft cover damage caused by vandalism?

No, vandalism is not covered under TPFT with OUTsurance unless it occurs as part of a theft or fire-related incident.

Does third-party fire and theft cover accidents?

In the event of an accident we only cover the liability to third parties, not damage to your vehicle; should you want or need cover for damages to your vehicle in the event of an accident, please visit Comprehensive Car Insurance.

OUTbonus – get 10% cashback

The OUTbonus has landed. Get 10% of your insurance premiums (less taxes and levies) back in cash when you hold your policy with OUTsurance claim-free for 3 years.* You always pay IN so why shouldn’t you always get something OUT! Terms & conditions apply.

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How to get cheaper third-party fire and theft car insurance?

You can find a few simple tips below that could help reduce your car insurance price.

How to get cheaper third-party fire and theft car insurance?

You can find a few simple tips below that could help reduce your car insurance price.

Need further assistance?

Need further assistance?

OUTsurance in the media

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*Your OUTbonus operates across all your policies with OUTsurance (with the same customer number). When you make a claim your OUTbonus is forfeited, and the three-year cycle starts again. However, certain claims like windscreen repair do not effect your OUTbonus. You need to remain a customer with OUTsurance for the entire OUTbonus period to receive your OUTbonus.