Third Party Fire and Theft Car Insurance provides cover for damage caused to other parties and their property in the event that you are responsible for an accident. It also covers the cost if your car is stolen or damaged in the event of a hijacking, theft or fire.
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A car is often one of our biggest investments, so taking care of it is a big priority. We’ve all heard of comprehensive car insurance, and you probably know what that does—it covers you for the widest range of scenarios when it comes to car cover. But what about third party, fire, and theft car insurance? Where does that fit in?
It’s a basic type of insurance and the unsung hero of budget-friendly car ownership. It’s ready to save the day when life throws a curveball your way (or directly at your beloved ride). Here’s what you need to know.
There are three main categories of car insurance in South Africa: comprehensive car insurance , third party, fire and theft insurance, and third party only cover.
Third party, fire and theft doesn’t give as much insurance coverage as comprehensive does, but it covers more than third party only insurance. Here’s a handy table to break it down:
| Comprehensive | Third Party, Fire & Theft | Third Party Only | |
|---|---|---|---|
| Accidents | ✅ | ||
| Theft + Hijacking | ✅ | ✅ | |
| Vandalism | ✅ | ||
| Fire + Explosions | ✅ | ✅ | |
| Damage to Someone Else’s Property | ✅ | ✅ | ✅ |
| Weather Damage | ✅ |
There are three main categories of car insurance in South Africa: comprehensive car insurance, third party, fire and theft insurance, and third party only cover.
Third party, fire and theft doesn’t give as much insurance coverage as comprehensive does, but it covers more than third party only insurance. Here’s a handy table to break it down:
Let’s get into more detail on third party, fire and theft coverage. Three terms = three things covered.
Third-party Coverage
It pays out for damages that you accidentally cause to other people or property by your vehicle. For example, if you're involved in an accident and it's deemed your fault, this insurance would cover the costs of repairing the other person's car or property.
Fire Coverage
It gives coverage if your vehicle is damaged or destroyed by fire, whether the fire is accidental or intentional.
So for example, if a short circuit or malfunction in your car's electrical system leads to a fire, or if there’s a mechanical failure or leak in your engine that causes it to overheat and catch fire.
It also covers arson. So if someone deliberately sets fire to your car, whether it's for malicious reasons or as part of a criminal act such as theft. Touch wood you never have to experience this!
Wildfires or a fire in your garage that caused damage to your ride would also be covered.
Theft Coverage
This part of the policy covers the loss of your vehicle if it's stolen, which is unfortunately something that happens fairly often in South Africa. Around 60 cars are stolen here a day, according to recent figures.
It also covers carjacking, break-ins, or parts of your car being stolen (like a battery or hubcaps).
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As we’ve mentioned, third party, fire, and theft car insurance is the budget-friendly cousin of comprehensive insurance.
While comprehensive insurance can cost anything from R300 a month to thousands of rands for an expensive vehicle, third party, fire, and theft is usually under R500 a month. This all depends on your car, of course.
The reason it costs less is because it offers a lower level of cover. In particular, it doesn’t foot the bill for damage to your own vehicle if you’re in an accident. You’d have to cover your own repairs in that scenario.
So why would you go for this type of insurance at all? Well, it’s great for when you’re on a budget but still want some level of protection.
So how do you choose the best third party, fire and theft cover for you? Using Hippo, of course. With us, you can compare insurance quotes from some of South Africa’s leading car insurance providers, making sure you snag the best deal for your four-wheeled friend.
You’ll save time, stress, and money.
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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.
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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.
