Third Party, Fire & Theft coverage ensures that compensation is available in respect of any injury suffered by a third party (including your passengers) or damage to a third party’s property resulting from an accident caused by you.  This coverage is similar to a Third Party policy, however, it is extended to include loss or damage to your vehicle as a result of a fire or if your vehicle is stolen.  This type of coverage also excludes costs for any other damage to your  vehicle.