Introduction
You’ve probably seen Third Party, Fire and Theft (TPFT) when comparing car insurance online. It sounds like a mouthful, but it’s actually straightforward once you get the idea. Basically, TPFT protects you if your car hurts someone else’s property or gets lost in a fire or theft. The only catch — it won’t cover your own car if you crash it. Still, understanding what’s included (and what’s missing) makes it way easier to decide if it’s the right deal for your budget.
What TPFT Covers
Third Party
If your car ends up damaging someone else’s ride or injuring them, this part takes care of it.
Just remember, your own repair bills aren’t part of the deal.
Fire
If your car gets burnt or damaged because of a fire, the insurer helps cover the loss.
Theft
If it’s stolen and gone for good, you’ll get compensation based on your policy terms.
Quick tip: TPFT doesn’t come with extras like towing or roadside help by default. If you’re using Bjak, you can always add something like the VIP Rescue package — it even includes one free towing for comprehensive users, which is handy if you ever get stuck somewhere.
Pros and Cons of TPFT
Why people go for it:
- It’s cheaper than a full Comprehensive plan.
- Great for older cars or ones that aren’t worth much anymore.
What you might not like:
- Doesn’t cover your car if you hit something or someone.
- Limited support unless you buy add-ons like roadside assist.
Conclusion
In short, Third Party, Fire and Theft insurance gives just enough protection without breaking the bank. It’s solid for people who only need basic coverage for fire, theft, or third-party damage. But if you’re the type who prefers total peace of mind — including your own car repairs — then a Comprehensive plan is still the smarter move.
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