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Third party, fire and theft

Third-party, Fire and Theft cover falls between comprehensive and limited liability. This type of insurance is an option if the vehicle is older, paid off and is not worth much.


South Africa is one of the few countries where the law does not require vehicle owners to purchase car insurance however, if you're financing your car, it's likely that the financial institution will require you to purchase a Comprehensive Insurance Policy before you take possession of your car. If you drive an older model car which is not financed, you might not need the full protection offered by Comprehensive Insurance and you could consider Third Party, Fire and Theft Car Insurance, which is usually more affordable.

Third-party, Fire and Theft Insurance falls between comprehensive and limited liability. This type of insurance is an good option if the vehicle is older, paid off and is not worth much. It will pay for a third-party claim against the insured in addition to theft and damage caused by fire. However, you will be responsible for paying for the damage to your car.

Some people may mistakenly believe that fire cover is a waste of money. However, older cars frequently have electrical problems and are prone to overheating. Both problems can cause a fire, which is capable of destroying the vehicle within a matter of minutes.

When searching a suitable Car Insurance policy, shop around to ensure you receive the best cover that suits your budget.

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Third party only

Third Party Only car insurance makes sure you're covered when somebody else claims against you if you cause an accident or damage when driving.

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