Third-Party Extended: basic + theft, fire and glass
Licensed Broker
DGSFP Registered
Everything in basic third-party, plus full theft and fire cover, 100% windscreen replacement and a stronger driver-medical limit. The best-value tier for cars 5-10 years old.
Up to 60% no-claims discount. Full no-claims bonus from day one, no certificate needed (unique to ExpatInsurances).
From €300/year
Quote-based. Depends on car, driver and postcode.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, six-monthly or quarterly when premium exceeds €100.
We need: date of birth, postal code (essential - affects price), date driving licence was issued, and vehicle registration. We accept temporary green plates (must be replaced within 2 months).
What's covered
Cover included as standard with Third-party + theft, fire, glass
Compulsory + voluntary civil liability (€50M)
Same third-party cover as basic.
Personal damages - unlimited or €6,000 private
Unlimited medical care via the Caser network or up to €6,000 reimbursement for private treatment.
Theft & robbery - 100% market value
Total or partial theft of vehicle, parts (including tyres and batteries) and contents - reimbursed at 100% market value.
Fire damage - up to 120% in year 3+
Fire damage compensated at 100% market value (years 1-2), 120% from year 3 onwards.
Windscreen breakage - 100% cover
Full windscreen and glass replacement included.
Legal defence
Unlimited via Caser; €3,000 if you use your own lawyer.
24/7 travel assistance - €350 rescue
Mechanical assistance, towing, rescue (up to €350), unlimited tow truck requests.
Caser Autohelp
Automatic accident detection - calls 112 with your location if you don't respond.
Traffic fine management & appeals
Included.
Occupant support
Repatriation of injured persons, lost-luggage tracing, urgent message transmission, companion accommodation during hospitalisation.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
If your car is declared a total loss, get a similar second-hand vehicle in your name OR 120% of market value.
Up to €360/year if you lose your licence.
Rental car during repairs.
Enhanced assistance tiers.
Damage from collisions with animals on the road.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Damage to your own car from at-fault accidents (choose Fully Comprehensive)
- Trailers over 750kg
- Wear and tear, mechanical breakdown unrelated to a covered event
Third-Party Extended, in one paragraph
Third-Party Extended is the sweet-spot tier for most cars: everything in basic third-party, plus full theft and fire cover (with the rare 120% fire bonus from year 3), 100% windscreen replacement, and stronger personal damages. The only thing it doesn't cover is damage to your own car from at-fault accidents. Best for vehicles 5-10 years old, urban parking, anyone who's had a windscreen chip in the last year. About €100-€200/year more than basic - worth it for any car valued above ~€5,000.
Frequently asked questions
What's the difference vs basic third-party?
Three big additions: full theft cover (including parts), fire damage (with 120% bonus from year 3), and 100% windscreen replacement. Plus stronger personal damages cover and travel assistance limits. Typically €100-€200/year more than basic - well worth it for any car worth more than ~€5,000.
How does theft cover work?
Both total theft (whole vehicle taken) and partial theft (parts, tyres, batteries, contents) are covered at 100% market value. Damage caused during attempted theft is also included.
What's the 120% fire bonus?
If your car is destroyed by fire from year 3 of registration onwards, Caser pays 120% of market value - meaning you can replace it with a slightly newer/better car. A genuine differentiator vs other insurers who pay 100% only.
Is windscreen really 100%?
Yes - full windscreen and glass replacement included with no excess. Vehicles outside the Caser garage network can use any glazier; you submit the invoice.
What's NOT covered?
Damage to your own car from accidents you cause. If you want that, upgrade to Fully Comprehensive (with selectable excess from €200 to €900).
Get your Third-party + theft, fire, glass quote
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Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.