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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 a doof 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 reuire vehicle owners to purchase car insurance. Some drivers rely on the Road Accident Fund, paid for through the fuel levy, to provide compensation for any accident damage they happen to receive. We advise against depending solely on that type of cover.

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. However, if you drive an older model car, you might not need the full protection offered by Comprehensive Insurance and you could consider Third Party, Theft, and Fire Car Insurance, which is usually more affordable.

Third-party, Fire and Theft Insurance falls between comprehensive and limited liability. This type of insurance is a 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 freuently 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 for your budget. MotorHappy makes it easy for you to receive multiple Car Insurance quotes online, including Third Party,Fire and Theft Insurance. If you need more guidance, speak to a qualified MotorHappy agent to help you review the various options available.

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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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