What Is TPFT “Third Party, Fire and Theft” Car Insurance?

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Introduction

Malaysian drivers know about the comprehensive or third party coverage, but many do not realize there are 3 total coverage types, that last coverage is Third Party, Fire and Theft. This coverage type is suitable for older vehicles or for vehicle owners opting out for less coverage for reduced premium.

Let’s break down what TPFT actually covers, how it works, and who should consider choosing it.

1. What Does “Third Party, Fire and Theft” Mean?

In simple terms, TPFT combines two types of protection:

Third Party: Covers damage or injury caused to another person or their property if you’re at fault in an accident.
Fire and Theft: Adds coverage for your car if it’s stolen or damaged by fire.

Unlike a comprehensive policy, TPFT does not cover damage to your own car in an accident — unless it was due to fire or theft.

2. What’s Covered Under TPFT

Here’s a breakdown of what’s typically included in a Third Party, Fire and Theft plan:

Type of Coverage	Covered
Damage to third party property	✅
Injury or death to third party	✅
Total theft of vehicle	✅
Damage due to attempted theft	✅
Fire caused by electrical fault or accident	✅
Damage to own vehicle (not fire/theft related)	❌
Natural disasters (flood, landslide)	❌ (unless added as an add-on)

3. Who Should Choose TPFT Insurance

This plan isn’t for everyone, but it’s great for:

Owners of older vehicles (10 years or more) with low market value
Cars that are used occasionally or as secondary vehicles
Drivers who want basic protection plus security against theft or fire
Anyone who finds comprehensive insurance too costly for their car’s value

For example, if your car’s market value is only RM6,000, a comprehensive plan might not be worth the higher premium.
TPFT gives you the right balance — affordable coverage with essential protection.

4. TPFT vs Comprehensive vs Third Party

Here’s a quick comparison to help you visualize the differences:

Type of Insurance	Own Car Protection	Third Party	Fire	Theft	Estimated Premium
Third Party	❌	✅	❌	❌	Cheapest
Third Party, Fire & Theft	❌ (except for fire/theft)	✅	✅	✅	Moderate
Comprehensive	✅	✅	✅	✅	Highest

As you can see, TPFT sits right in the middle — cheaper than comprehensive, yet offering more coverage than basic Third Party.

5. Advantages and Disadvantages of TPFT

Advantages:

Lower premium compared to comprehensive insurance
Additional protection for fire and theft
Ideal for older or rarely used vehicles

Disadvantages:

No coverage for own car if damaged in an accident
Doesn’t include natural disasters unless added manually
Not eligible for bank loans (banks usually require comprehensive coverage)

6. How to Get a TPFT Quote

You can check and purchase TPFT coverage entirely online — it only takes a few minutes on BJAK.my:

Enter your vehicle plate number and IC.
Select “Third Party, Fire and Theft” as your coverage type.
Compare prices from multiple insurance companies.
Make payment and receive your digital policy (eCoverNote) instantly via email or WhatsApp.

No counter visits needed — coverage activates as soon as your payment is confirmed.

Conclusion

The Third Party, Fire and Theft (TPFT) plan is a practical and affordable choice for owners of older cars who still want a layer of security.
With lower premiums and protection against the two biggest risks — theft and fire — it offers a smart middle ground between cost and safety.To get the best deal, compare and renew your TPFT policy easily on BJAK.my before your current insurance expires.