Third Party Fire and Theft

Third Party Fire and Theft

Third party, fire and theft car insurance includes liabilities to another person’s car or injury to them during a car accident. It also insures you against loss of your car due to accidental fire & theft. However, it doesn’t cover physical damage to your car due to a car accident.


Additional Benefits Available:

Driver & Passenger Accident Cover

Third Party, Fire and Theft Cover only protects your liability towards third party’s vehicle and injury in an accident. But how about you and your passenger? With Driver & Passenger Accident Cover, it provides accident cover for driver and their passengers whilst driving or riding as a passenger. This benefit including coverage against death, permanent disablement due to road accident. It also reimburse your expenses for funeral, medical and provide bereavement allowance.

Legal Liabilities to Passenger & Legal Liabilities of Passenger

Legal liabilities to Passengers, commonly refers to as LLNP or LLTP. It covers you against legal liabilities sought by your passengers against you in an event of an accident due to your negligent.

Legal liabilities of Passengers,  commonly refers to as LLOP. It covers Acts of negligence by your passenger that causes loss or damage to a third party.

Example: A passenger opening the door of the car causing injury to a passer-by who may be a pedestrian or motorcyclist. With this cover, any legal action that is against you due to negligence of your passengers will be covered by insurance company.

This cover is compulsory in Singapore according to their law. So if you wish to take your car there, make sure to include this cover in your car insurance.


Get a quote online, or call SMS Insurance Agency on 017-7776334 to get a quote over the phone. Protection Status