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The difference between comprehensive & third party, fire and theft insurance

Find out how much Comprehensive or Third Party, Fire & Theft insurance might cost by getting a quote today.

What Is The Difference Between Comprehensive & Third Party, Fire & Theft Insurance?

Our car insurance teams are often asked about the difference between comprehensive & third party, fire and theft insurance. This is often followed up with what is the right option for me? The answer really depends on your situation but we wanted to answer some of your most common questions so you can make the choice that is right for you as well as show you the benefits associated with each type of policy.

 

Please Note:

The below details are a summary of your full benefits. For full details of each benefit and it's exclusions as well as our general exclusions please refer to your Policy Booklet and Schedule.

Detailed Breakdown Of Benefits

Benefits Related To Your Car

Comprehensive Cover Benefits

 Accidental Damage

 New Car Replacement

 Car Hire Cover - Up to 7 Days

 Fire Brigade Charges

 Damage to Third Party Property

 Personal Belongings

 Replacement Locks

 Breakdown Rescue

 Unlimited Windscreen Cover

 Fire, Theft Or Attempted Theft

 Car Sharing [1]

[1]See Policy Document for full list of exclusions.

Third Party, Fire & Theft Only

 Fire, Theft Or Attempted Theft

 Breakdown Rescue

 Damage to Third Party Property

Benefits Related To You

Comprehensive Cover Benefits

 Medical Expenses

 Personal Accident Cover

 Emergency Treatment

 Medical Advice & Rehabilitation

 Step Back No Claims Protection

 Driving Other Vehicles [2]

 Emergency Accommodation

 Driving Abroad

 Liability Cover In Event Of An Accident

[2] Benefit applies to Policyholders aged 25+ with a Full Licence -  additional criteria may apply

Third Party, Fire & Theft Only

 Emergency Accommodation

 Driving Abroad

 Liability Cover In Event Of An Accident

 

Use our policy booklet for full details of each Benefit and our exclusions.

Comprehensive:

As the name suggests, comprehensive insurance offers the most cover for you. However, it is important to remember that a comprehensive policy may not cover all eventualities. It is important to read policy details carefully to make sure you understand your level of cover.

What Are The Advantages Of Comprehensive Insurance?

Comprehensive cover may be the right option for you if:

✔ You want costs for damage to your car covered

✔ You want accidental damage cover for your car

✔ You want to benefit from the personal accident cover

✔ You want a replacement car while your car is repaired

Considerations Of Comprehensive Insurance

Comprehensive car insurance is typically more expensive than third party, fire and theft. However it is worth getting a quote as it comes with many more benefits which you may feel are suited to your needs. It is also worth remembering the added peace of mind this level of car insurance cover provides. 

Third Party, Fire and Theft:

It is the most basic form of car insurance that AIG Ireland offers. It covers your costs if your car is damaged by theft, stolen or damaged by fire. Third party, fire and theft will also cover the costs of the other person involved in the event of an accident with your car but it will not cover your personal costs or the costs to repair your car if an accident occurs no matter who is at fault.

What Are The Advantages Of Third Party, Fire & Theft Insurance?

Third party, fire and theft may be the right option for you if:

✔ Your car is low value

✔ Your car is not expensive to repair

✔ You are confident you can undertake basic repairs yourself

What Are The Disadvantages Of Third Party, Fire & Theft Insurance?

Third party, fire and theft may not be the right option for you if you want cover for accidental damage to your car & you want extras with your policy like a replacement car if your own car is out action due to an accident.

 

No matter which option you think is right for you, AIG Ireland offers some of the most competitive prices.