Third Party Car insurance offers a basic and more affordable form of cover for your car by covering the damages that you have caused to other parties and their property in the event that you are responsible for an accident.
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Looking for car cover but not the full-blown comprehensive commitment? Third-party only car insurance might be just what you need! This type of insurance comes with the fewest benefits, but it saves many drivers hassle when they've caused accidental damage to someone else's property.
Some are better than none: It's better to be covered for the bare minimum than to have no insurance at all. Liability cover sorted: If you cause an accident, you're covered for the liability you might face. Peace of mind: Trust us, driving a car with insurance is a better experience than cruising around without it.
Car insurance costs for under 25s depend on factors like your insurer, policy, and vehicle. While exact prices vary, young drivers typically pay more due to age-related risk factors.
Understanding why age impacts premiums and finding ways to lower costs can help you manage your budget effectively.
Here's a scenario for you. You're driving to work when the robots at your favourite intersection (insert sarcasm here) aren't working. AGAIN. You're so distracted by your irritation that you don't keep track of whose turn it is to go, and you move out of turn. And, oh no, you've T-boned a car coming from the other side.
In this instance, you've caused an accident—you're at fault. That means it's your responsibility to pay for the damage you've done to the other vehicle. But luckily, you have third-party-only car insurance. You exchange insurance details with the other driver, stop by the cop shop to report the incident (or do it online if you can), and submit an insurance claim to your provider. From there, it's basically out of your hands; your provider will take care of the rest, and you're not obliged to pay for the repairs from your own pocket.
That's not all, though. Let's say you hit the other car’s boot and damaged the driver's laptop in there. Your insurer will pay for this, too. That's because property damage isn't only limited to cars but extends to other personal belongings. It could also apply if, say, you crash into the boundary wall of someone's house.
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| Comprehensive | Third Party, Fire & Theft | Third Party Only | |
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| Accidents | |
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| Theft + Hijacking | |
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| Vandalism | |
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| Fire + Explosions | |
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| Damage to Someone Else’s Property | |
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| Weather Damage | |
Since 2011, the South African Insurance Association (SAIA) has called for mandatory third-party car insurance, with the argument that if all drivers were insured, the cost of insurance would come down and there would be more funds available to repair the damaged cars on our roads. While this type of insurance isn’t mandatory yet, it may very well be in the near future.
Third-party cover is the most basic and affordable insurance. Here's what you need to know:
It covers damage or injury you cause to others or their property. It does not cover your own vehicle or medical costs.
You are not covered for your own vehicle. If the other driver is insured, their insurer pays. If not, you're liable for repairs unless the Road Accident Fund applies (for injuries only).
No. It includes basic third-party cover plus protection for your own car in case of theft or fire—but not for accidental damage.
Your age, claims history, where you live, car type, and driving record all impact how much you’ll pay—even with third-party cover.
It meets legal requirements but doesn’t protect your own car. Consider comprehensive insurance for more peace of mind and coverage.
Third-party cover is a solid starting point, especially for older cars. Compare policies and upgrade as your needs evolve.
Welcome to our comprehensive Car Insurance Guide, where we've meticulously compiled essential information, tools, and insights designed to assist you in navigating the complex world of car insurance.
Comprehensive Cover: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.
Third Party, Fire and Theft: Not only covers damages to others but also protects your car against theft or fire damage.
Third Party Only: Safeguards against the costs of damage to other people and their property, without covering your own vehicle.
Vehicle Use Classification: Helps differentiate personal vs business use, which can affect your policy and premiums.
Insurance Premiums by Age: See how your age affects your car insurance costs and what to expect at different life stages.
Insurance Premiums by Province: Discover how location influences your premium, with insights from various regions in South Africa.
Insurance Demographics: Learn how gender, income, and lifestyle impact car insurance rates and risk profiles.
Exploring Car Insurance Options: Understand the different levels of coverage available to suit your needs.
Impact of Excess on Premiums: Learn how your insurance excess can influence the cost of your premium.
Affordable Car Insurance: Tips for finding cost-effective car insurance coverage for peace of mind.
Insurance Claim Process: A straightforward guide to filing a claim with your insurer.
Car Guide: A guide to South Africa's car brands and typical insurance costs for each.
Car Insurance Values: Understand how different value types (market, retail, trade-in) affect your cover and payout.
Car Insurance Premium: Key tips to reduce your premium and what factors determine your monthly cost.
Put yourself in the driver’s seat of your dream car and keep it looking brand-spanking new with value-added insurance products, provided by trusted and reliable South African insurers.
Scratch & Dent
Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
Tyre & Rim Guard
South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.
Car Tracker
Many insurance providers prefer for you to have a vehicle tracker installed in your car to minimise the chances of it being stolen, or to assist in recovering a stolen vehicle. Some insurers even offer discounts for it!
Motor Warranty
Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.
Service Plan
Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.
Scratch & Dent
Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
Tyre & Rim Guard
South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.
Car Tracker
Many insurance providers prefer for you to have a vehicle tracker installed in your car to minimise the chances of it being stolen, or to assist in recovering a stolen vehicle. Some insurers even offer discounts for it!
Motor Warranty
Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.
Service Plan
Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.
Scratch & Dent
Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
