Third Party Fire and Theft Motorcycle Insurance

Third Party fire & Theft

Third Party Fire and Theft motorcycle insurance cover takes the basic cover of Third Party Only and includes additional cover should your motorcycle or scooter be stolen, damaged while being attempted to be stolen or catches fire.

The other two common forms of insurance cover are…

  • Third Party Only motorcycle insurance, which only covers losses to other parties involved in the accident (if the accident was your fault), but doesn’t cover loss or damage to your motorcycle from theft, attempted theft or fire.

  • Comprehensive insurance cover, which, in addition to Third Party Only and Third Party Fire and Theft will repair damage or replace your motorbike or scooter if you have an accident that is your fault or when no other party is involved, such as crashing on wet leaves or a diesel spillage.

What does Third Party Fire and Theft motorcycle insurance cover?

If your bike or scooter is stolen or damaged beyond repair in a fire, you will receive a payout that will allow you to buy a similar motorcycle of the same age in the same condition. If your stolen motorbike is recovered, your insurer will pay to have any damage put right.

If you have an accident, Third Party Fire and Theft insurance will cover losses and damage to anyone else involved. This could mean fixing their vehicle or repairing their property or it could mean compensation for income lost through their inability to work or fulfil other obligations.

Third Party Fire and Theft motorcycle insurance from Bennetts also includes;

  • 90 days European insurance cover
  • Insured to ride other bikes (with owner’s permission - terms and conditions apply).
  • Multi-bike policy option
  • A 24-hour claims line and advice
  • 16 standard modifications covered at no extra cost
  • Uninsured driver promise – your no claims discount won’t be reduced where a claim is caused by an uninsured driver
  • New bike replacement (terms and conditions apply)

What doesn’t Third Party Fire and Theft motorbike insurance cover?

If the accident was your fault, maybe because you misjudged a corner or was caused by something like slipping on ice or wet leaves or diesel, then your Third Party Fire and Theft motorcycle insurance will cover damage to the other party’s vehicle or health, but not to yours.

If you have an accident where there isn’t another party who is clearly responsible, Third Party Fire and Theft insurance doesn’t cover the cost of fixing your bike, repairing your injuries or any loss of earnings.

How much money will I save buying Third Party Fire and Theft motorbike insurance?

Insurance premiums are built from a person’s risk profile and so if you are a low risk then you won’t pay that much more for Comprehensive motorcycle insurance than for Third Party Fire and Theft. That’s why it could be cheaper to deal directly with a broker instead of a comparison site because you get a tailored quote based on a broader set of questions and data.



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