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.
Comprehensive vs. Third Party Cover - Breakdown of Benefits
Comprehensive Car Insurance
Accidental Damage
New Car Replacement
Car Hire Cover - Up to 5 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
Comprehensive Car Insurance
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.
Choosing The Right Car Insurance Cover For You
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.