Third-Party Fire and Theft Car Insurance
Third-Party Fire and Theft Car Insurance Cover
Basic coverage with protection from fire and theft
Our Third-Party Fire & Theft (TPFT) insurance plan is a good in-between plan for those who don't want the full benefits of a comprehensive car insurance, but still want to be covered against incidences of fire and theft. This option is the suggested choice for cars over 8 years old with drivers who have more driving experience.
Choosing our Third-Party Fire and Theft option also gives you access to more optional benefits than our regular Third-Party Only (TPO) plan. With TPFT, you can add extras like My Workshop (for choosing the garage you want for repairs), 24 Hour Breakdown Assistance (for labour and towing costs from car breakdowns) and My Accessories (to cover your LTA approved modifications).
However, do keep in mind that compared to our Comprehensive (COMP) car insurance (which is our most thorough insurance policy plan) there are still some areas not covered by TPFT. Our COMP insurance not only covers everything under the TPFT plan, but also incidents like car crashes, non-crash damages, and natural disasters or Act of God events such as floods. Besides the age of your car, the plan you choose will also depend on the level of your driving skill.
When do we recommend Third-Party Fire and Theft coverage?
If your car is more than 8 years old, you may not feel that it’s necessary to buy full comprehensive car insurance aimed at covering your car from common accidents. Nonetheless fire and theft are still serious events that a car owner might want to be insured for. This insurance policy scheme will not only save your pocket from losses due to fire and theft impacting yourself and your car, but also the injuries and damages inflicted on third parties and their properties in such events.
DirectAsia is here to help provide you with quality car insurances at the best prices in Singapore.
Coverage & Optional Benefits in More Detail
| Core Benefits | Cover Limits |
|---|---|
| Own Damage - All Accidents | Not Covered |
| Third Party Bodily Injury | Unlimited |
| Third Party Property Damage | Up to S$5,000,000 |
| Own Damage - Fire | Up to the market value of your car |
| Own Damage - Theft | Up to the market value of your car |
| Own Damage - Natural Disaster/Act of God | Not Covered |
| Windscreen/Window Breakage | Not Covered |
| Accident Towing | Up to S$200 in Singapore |
| Deductible of Own Damage | As shown in your policy schedule |
| Optional Benefits (For drivers and passengers) | |
| Personal Accident for Driver | Up to S$500,000 |
| Medical Expenses for Driver and Passengers | Up to S$3,000 per person |
| No Claim Discount (NCD) Protection | One claim per policy per year |
| My Workshop/My Authorised Distributor Workshop | Up to market value |
| 24 Hour Breakdown Assistance | Labour and towing costs |
| Loss of Use | S$50 a day up to 10 days per accident, 20 per year |
| Repatriation Costs | S$200 per person and up to S$3500 for towing |
| My Accessories | Cost of replacing or repairing declared accessories |
Frequently Asked Questions About Third Party Fire and Theft Car Insurance Coverage
Should I choose your Third-Party Fire and Theft insurance or another plan?
Our Third-Party Fire and Theft insurance provides quality coverage for incidences of fire and theft. Owners driving cars older than eight years old might want to opt for this plan. If you would like to review all the other plans we have on offer. Read our simplified guide comparing the similarities and differences between our various insurance policies.
How does your Third-Party Fire and Theft plan differ from your Third-Party Only plan?
If you only want an insurance plan that meets the least amount of legal coverage possible for you to still drive a car around Singapore, you can opt for the Third-Party Only plan. The Third-Party Only plan will insure others in the case of accidents, but not yourself. Therefore TPO is recommended to drivers with more experience whose cars are nearing the end of their COE.
What countries am I insured to drive in?
Your Third-Party Fire and Theft insurance will provide coverage when you drive throughout Singapore, West Malaysia and Southern Thailand (a distance of 80km from where Thailand and the Malaysian border meet). We also provide coverage for your car trips across the strait between Singapore and Tanjong Belungkor, and between West Malaysia and its associated offshore islands.