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What is Fire & Theft in Car Insurance?
One of the most popular car insurance add-ons available is fire and theft. It covers your car if it’s stolen or damaged in a fire. In some cases, fire and theft add-on is included in a third-party cover. If you’re in a car accident and it’s determined that you’re at fault, the third-party part of fire and theft will pay for any damage you do to the other person and their property.
Other Related Products
Understanding the different types of insurance and what they will cover for you and your situations is a great way to save money on insurance. When it comes to insurance, it’s all about having the right coverage for your needs.
Type 1 Car Insurance
Type 1 car insurance, also known as first class car insurance or fully comprehensive car insurance, offers more coverage than what is mandated by the government. It covers you for a wide range of unexpected events, including natural disasters and car theft. With type 1 car insurance, you can drive on Thai roads with peace of mind.
Type 2 Car Insurance
Type 2 car insurance is an option if you don’t have enough budget for type 1 car insurance, but you still want great coverage. While it is a lot more affordable than type 1 car insurance, it still provides comprehensive coverage including theft, fire, liability for third party property damages, and medical expenses.
Why Choose the Thaiger?
The Thaiger makes insurance easy. With our one-stop service, you can skip the hassle of deciding and purchasing the right car insurance and its add-ons. All you have to do is click ‘Get A Quote,’ get in touch with us, and we’ll do the rest of the job. Sit back, relax, and let us find the right car insurance for you.
Why Should You Get Fire and Theft Add-Ons?
Many people pick fire and theft add-ons because it is a less costly alternative to comprehensive coverage.
Basic third-party insurance is typically less expensive; however, some people choose to change to fire and theft insurance for the following reasons:
1. They may reside in an area with a higher crime rate, making them more vulnerable to car theft or fire.
2. It gives them peace of mind that they will be protected if another car or person is damaged.
3.Their car is inexpensive to repair and replacement parts are readily available.
4. They are assured that they will complete the repairs themselves.
5. Their car has a low market value, so a serious collision would not result in a significant financial loss.
6. They have enough money to repair their car if it breaks down.
7. Their car isn’t used too much.
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Fire & Theft Coverage
Fire and theft car insurance add-on cover two main things: fire and theft. Some insurers also offer third-party coverage. However, it doesn’t cover your own vehicle should it be destroyed in an accident.
Fire & Theft Exclusions
There are some things not included in the fire & theft add-on. These include:
Damage You Cause to Your Car
If you cause an accident, damage to your car is not covered.
Storm or Flood
Damage caused by some bad weather is not covered.
Roadside Assistance
Fire & theft insurance don’t provide roadside assistance. However, if you have comprehensive insurance, it might be included in your policy.
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