Yeah, just cars do 3rd party fire and theft, but ur only covered to a max of about $5000 for theft, minus ur excess which will probably be $1000 or so. It probably wont be that cheap anyway, like $500 a year?
So basically u dont get shit:
If u want to be covered in case of ur car being stolen, u have to get comprehensive. Thats why its so damn expensive, coz a stolen car costs a lot to get replaced.