Britam Third Party Fire and Theft Insurance provides the minimum legal requirement of Third-Party Coverage and extends for damage or loss due to theft and/or fire. It covers the Insured for liability arising from damage to third parties and injuries caused by the insured vehicle in use for which it is insured. Damage to the insured vehicle is covered only if caused by fire or theft, which means there is no damage or cover for natural accidents. That this type of Insurance Coverage only protects the interests of third parties, not yours.