{"id":53631,"date":"2025-10-18T20:09:01","date_gmt":"2025-10-18T12:09:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53631"},"modified":"2025-10-29T18:30:03","modified_gmt":"2025-10-29T10:30:03","slug":"what-is-tpft-third-party-fire-and-theft-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance","title":{"rendered":"What Is TPFT \u201cThird Party, Fire and Theft\u201d Car Insurance?"},"content":{"rendered":"\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-69d4781af0f5d\" 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-69d4781af0f5d\"><\/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\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#Introduction\" title=\"Introduction\">Introduction<\/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\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#1_What_Does_%E2%80%9CThird_Party_Fire_and_Theft%E2%80%9D_Mean\" title=\"1. What Does \u201cThird Party, Fire and Theft\u201d Mean?\">1. What Does \u201cThird Party, Fire and Theft\u201d Mean?<\/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\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#2_What%E2%80%99s_Covered_Under_TPFT\" title=\"2. What\u2019s Covered Under TPFT\">2. What\u2019s Covered Under TPFT<\/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\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#3_Who_Should_Choose_TPFT_Insurance\" title=\"3. Who Should Choose TPFT Insurance\">3. Who Should Choose TPFT Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#4_TPFT_vs_Comprehensive_vs_Third_Party\" title=\"4. TPFT vs Comprehensive vs Third Party\">4. TPFT vs Comprehensive vs Third Party<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#5_Advantages_and_Disadvantages_of_TPFT\" title=\"5. Advantages and Disadvantages of TPFT\">5. Advantages and Disadvantages of TPFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#6_How_to_Get_a_TPFT_Quote\" title=\"6. How to Get a TPFT Quote\">6. How to Get a TPFT Quote<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Let\u2019s break down what TPFT actually covers, how it works, and who should consider choosing it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_Does_%E2%80%9CThird_Party_Fire_and_Theft%E2%80%9D_Mean\"><\/span><strong>1. What Does \u201cThird Party, Fire and Theft\u201d Mean?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In simple terms, <strong>TPFT<\/strong> combines two types of protection:<\/p>\n\n\n\n<ul><li><strong>Third Party:<\/strong> Covers damage or injury caused to another person or their property if you\u2019re at fault in an accident.<br><\/li><li><strong>Fire and Theft:<\/strong> Adds coverage for your car if it\u2019s <strong>stolen<\/strong> or <strong>damaged by fire<\/strong>.<br><\/li><\/ul>\n\n\n\n<p>Unlike a comprehensive policy, TPFT <strong>does not cover damage to your own car<\/strong> in an accident \u2014 unless it was due to fire or theft.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_What%E2%80%99s_Covered_Under_TPFT\"><\/span><strong>2. What\u2019s Covered Under TPFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s a breakdown of what\u2019s typically included in a Third Party, Fire and Theft plan:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Type of Coverage<\/strong><\/td><td><strong>Covered<\/strong><\/td><\/tr><tr><td>Damage to third party property<\/td><td>\u2705<\/td><\/tr><tr><td>Injury or death to third party<\/td><td>\u2705<\/td><\/tr><tr><td>Total theft of vehicle<\/td><td>\u2705<\/td><\/tr><tr><td>Damage due to attempted theft<\/td><td>\u2705<\/td><\/tr><tr><td>Fire caused by electrical fault or accident<\/td><td>\u2705<\/td><\/tr><tr><td>Damage to own vehicle (not fire\/theft related)<\/td><td>\u274c<\/td><\/tr><tr><td>Natural disasters (flood, landslide)<\/td><td>\u274c <em>(unless added as an add-on)<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Who_Should_Choose_TPFT_Insurance\"><\/span><strong>3. Who Should Choose TPFT Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This plan isn\u2019t for everyone, but it\u2019s great for:<\/p>\n\n\n\n<ul><li>Owners of <strong>older vehicles<\/strong> (10 years or more) with low market value<br><\/li><li>Cars that are <strong>used occasionally<\/strong> or as secondary vehicles<br><\/li><li>Drivers who want basic protection plus security against theft or fire<br><\/li><li>Anyone who finds <strong>comprehensive insurance too costly<\/strong> for their car\u2019s value<br><\/li><\/ul>\n\n\n\n<p>For example, if your car\u2019s market value is only RM6,000, a comprehensive plan might not be worth the higher premium.<br>TPFT gives you the right balance \u2014 <strong>affordable coverage with essential protection<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_TPFT_vs_Comprehensive_vs_Third_Party\"><\/span><strong>4. TPFT vs Comprehensive vs Third Party<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s a quick comparison to help you visualize the differences:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#ffd103\"><tbody><tr><td><strong>Type of Insurance<\/strong><\/td><td><strong>Own Car Protection<\/strong><\/td><td><strong>Third Party<\/strong><\/td><td><strong>Fire<\/strong><\/td><td><strong>Theft<\/strong><\/td><td><strong>Estimated Premium<\/strong><\/td><\/tr><tr><td><strong>Third Party<\/strong><\/td><td>\u274c<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u274c<\/td><td>Cheapest<\/td><\/tr><tr><td><strong>Third Party, Fire &amp; Theft<\/strong><\/td><td>\u274c <em>(except for fire\/theft)<\/em><\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u2705<\/td><td>Moderate<\/td><\/tr><tr><td><strong>Comprehensive<\/strong><\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u2705<\/td><td>Highest<\/td><\/tr><\/tbody><\/table><figcaption>As you can see, TPFT sits <strong>right in the middle<\/strong> \u2014 cheaper than comprehensive, yet offering more coverage than basic Third Party.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Advantages_and_Disadvantages_of_TPFT\"><\/span><strong>5. Advantages and Disadvantages of TPFT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>&nbsp;Advantages:<\/strong><\/p>\n\n\n\n<ul><li>Lower premium compared to comprehensive insurance<br><\/li><li>Additional protection for fire and theft<br><\/li><li>Ideal for older or rarely used vehicles<br><\/li><\/ul>\n\n\n\n<p><strong>&nbsp;Disadvantages:<\/strong><\/p>\n\n\n\n<ul><li>No coverage for own car if damaged in an accident<br><\/li><li>Doesn\u2019t include natural disasters unless added manually<br><\/li><li>Not eligible for bank loans (banks usually require comprehensive coverage)<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_How_to_Get_a_TPFT_Quote\"><\/span><strong>6. How to Get a TPFT Quote<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can check and purchase TPFT coverage <strong>entirely online<\/strong> \u2014 it only takes a few minutes on <strong>BJAK.my<\/strong>:<\/p>\n\n\n\n<ol><li>Enter your vehicle plate number and IC.<br><\/li><li>Select <strong>\u201cThird Party, Fire and Theft\u201d<\/strong> as your coverage type.<br><\/li><li>Compare prices from multiple insurance companies.<br><\/li><li>Make payment and receive your <strong>digital policy (eCoverNote)<\/strong> instantly via email or WhatsApp.<br><\/li><\/ol>\n\n\n\n<p>No counter visits needed \u2014 coverage activates as soon as your payment is confirmed.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>Third Party, Fire and Theft (TPFT)<\/strong> plan is a <strong>practical and affordable choice<\/strong> for owners of older cars who still want a layer of security.<br>With lower premiums and protection against the two biggest risks \u2014 <strong>theft and fire<\/strong> \u2014 it offers a smart middle ground between cost and safety.To get the best deal, compare and renew your TPFT policy easily on <strong>BJAK.my<\/strong> before your current insurance expires.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53693\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-is-tpft-third-party-fire-and-theft-car-insurance\/attachment\/4-114\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-114\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic titled \u201cComparison of Vehicle Insurance Types\u201d with three columns \u2014 Third Party, TPFT, and Comprehensive. Each column includes icons \ud83e\uddfe, \ud83d\udd25, \ud83d\ude97, and \ud83d\udee1\ufe0f, with \u2705\u274c symbols to indicate covered or not covered items. Dark blue and soft orange theme.\n\" class=\"wp-image-53693\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-114.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=what-is-tpft-third-party-fire-and-theft-car-insurance\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/what-is-an-ecovernote-and-why-do-you-need-it\">What Is an eCoverNote and Why Do You Need It?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\">How to Claim Insurance When Your Car Is Hit by a Third Party<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/how-does-the-ncd-no-claim-discount-work\">How Does the NCD (No Claim Discount) Work?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Curious about how Third Party, Fire and Theft (TPFT) differs from other plans? This article explains what it means, what it covers, and when it\u2019s the smarter choice compared to Comprehensive or basic Third Party insurance.<\/p>\n","protected":false},"author":31,"featured_media":53692,"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":[2989,2981],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is TPFT \u201cThird Party, Fire and Theft\u201d Car Insurance? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: What Is TPFT \u201cThird Party, Fire and Theft\u201d Car Insurance?. 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