{"id":43670,"date":"2023-11-01T11:20:18","date_gmt":"2023-11-01T03:20:18","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43670"},"modified":"2025-09-12T17:26:13","modified_gmt":"2025-09-12T09:26:13","slug":"third-party-fire-theft-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance","title":{"rendered":"Third-Party, Fire &#038; Theft (TPFT) Insurance Policy Explained"},"content":{"rendered":"\n<p>One of the types of <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> policies available in the market today is third-party, fire, and theft, also known as (TPFT). Though this policy sounds similar to <a href=\"https:\/\/bjak.my\/blog\/how-to-make-a-third-party-insurance-claim\/\">third-party insurance<\/a>, it is a different vehicle coverage plan that offers added protection for a slightly higher premium.<\/p>\n\n\n\n<p>But how does a TPFT policy differ from other types of insurance policies? What sort of protection does it offer for policyholders, and what are its exclusions? Read on as we explain the policy in detail by addressing some questions from people.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69e0b181643a4\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e0b181643a4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\/#Third-party_fire_and_theft_insurance\" title=\"Third-party, fire and theft insurance\">Third-party, fire and theft insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\/#What_can_be_claimed\" title=\"What can be claimed?\">What can be claimed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\/#How_much_is_the_premium\" title=\"How much is the premium?\">How much is the premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\/#Is_TPFT_policy_worth_considering\" title=\"Is TPFT policy worth considering?\">Is TPFT policy worth considering?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Third-party_fire_and_theft_insurance\"><\/span>Third-party, fire and theft insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A third-party, fire and theft insurance is a &#8216;semi-complete&#8217; coverage for vehicle owners compared to a third-party plan. We say this because, unlike a third-party policy, which doesn&#8217;t cover damages resulting from fire and theft, this plan protects policyholders and their named drivers against fire and theft. <\/p>\n\n\n\n<p>However, it does not cover vehicle impairment due to self-inflicted accidents. Simply put, if you, as the policyholder, caused an accident and your car is damaged, you will not be eligible to seek compensation from your insurer under a TPFT policy. Instead, the repair cost must be self-borne as the policy does not cover it. However, if the accident involves damages to a third party, a claim can be filed, as it is a covered event.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_can_be_claimed\"><\/span>What can be claimed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"41525\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/kurnia-third-party-car-insurance\/attachment\/car-fire\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?fit=724%2C483&amp;ssl=1\" data-orig-size=\"724,483\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Car fire\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?fit=724%2C483&amp;ssl=1\" loading=\"lazy\" width=\"724\" height=\"483\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?resize=724%2C483&#038;ssl=1\" alt=\"Car fire\" class=\"wp-image-41525\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?w=724&amp;ssl=1 724w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Car-fire.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The following are the incidents that qualify for insurance claims under a third-party, fire and theft policy:<\/p>\n\n\n\n<ul><li>Vehicle theft<\/li><li>Vehicle fire due to treachery or accident<\/li><li>Claims from third parties for property loss, injury and death<\/li><\/ul>\n\n\n\n<p>As a semi-complete insurance plan, third-party, fire and theft policies exclude claims for the following incidents, as they are not included in the policy:<\/p>\n\n\n\n<ul><li>Vehicle damage due to self-inflicted accidents<\/li><li>Car windshield damage\/cracks<\/li><li>Damage due to convulsions of nature<\/li><li>Car damage from hitting an animal<\/li><li>FREE towing for accidents or breakdowns<\/li><li>FREE roadside assistance after an accident<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_is_the_premium\"><\/span>How much is the premium?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5437\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-harga-insurans-kereta-dikira\/attachment\/a9-cara-harga-insurans-kereta-dikira\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"How is car insurance premium calculated?\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Car insurance premium\" class=\"wp-image-5437\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/A9-Cara-Harga-Insurans-Kereta-Dikira.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The premium for any insurance policy is different every year. As such, the annual premium for TPFT policies varies yearly and across insurance companies. Nonetheless, it can be said that TPFT policies cost less and are cheaper than comprehensive policies.<\/p>\n\n\n\n<p>Insurance providers usually evaluate several factors before setting the final premium for this coverage. This includes but is not limited to the following:<\/p>\n\n\n\n<ul><li>Current year NCD<\/li><li>Location &#8211; The place of residence that tells about the general safety of your area<\/li><li>Driving habits &#8211; Your driving history and risk-assessment profile to determine if you&#8217;re a high-risk driver<\/li><li>Claims records &#8211; Your claims history demonstrating how frequently you have filed for claims<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Is_TPFT_policy_worth_considering\"><\/span>Is TPFT policy worth considering?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There&#8217;s no doubt that a first-party policy is your best bet when purchasing auto insurance. It provides the most comprehensive protection for your vehicle and various complimentary benefits, such as free towing, 24-hour roadside assistance, and emergency jump-start, to name a few. <\/p>\n\n\n\n<p>However, not all vehicle owners can afford this package due to budget constraints. In this case, TPFT coverage, which is the closest match to <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive insurance<\/a>, can be considered since it covers liabilities to third parties as well as fire and theft protection.<\/p>\n\n\n\n<p>Besides, a TPFT policy is also recommended if you own a car older than 10 years and no longer qualify for first-party insurance. Note that it is common for insurers to offer first-party policies for vehicles below 10 years old since they are less susceptible to breakdowns compared to their older counterparts.<\/p>\n\n\n\n<p>Hence, it is necessary to consider your specific situation before deciding whether this policy is right for you.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Visit Bjak today to get your free insurance quote!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=third-party-fire-theft-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/compulsory-excess-malaysia\/\">Compulsory Excess Vs. Voluntary Excess In Malaysia<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/special-perils-coverage\/\">5 Best Special Perils Coverage For Private Cars<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/car-accessories\/\">5 Accessories Not To Have In Your Car<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A closer look at third-party, fire, and theft car insurance, featuring coverage options, factors affecting premiums, and more.<\/p>\n","protected":false},"author":19,"featured_media":43690,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Third-Party, Fire &amp; Theft (TPFT) Car Insurance Explained<\/title>\n<meta name=\"description\" content=\"A closer look at third-party, fire, and theft car insurance, featuring coverage options, factors affecting premiums, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Third-Party, Fire &amp; Theft (TPFT) Car Insurance Explained\" \/>\n<meta property=\"og:description\" content=\"A closer look at third-party, fire, and theft car insurance, featuring coverage options, factors affecting premiums, and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-fire-theft-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-01T03:20:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T09:26:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/FI-EN-11-1-1.jpg?fit=1600%2C1011&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1011\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Siva\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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