5 of 6

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.


Third Party Only *Car Insurance is the minimum legal level of cover needed to drive a car. It covers you if you damage someone else's property or injure them while driving, and will cover your passengers too.

Why get Third Party Only insurance?

The level of cover offered by Third Party Only insurance policies can be good for drivers who can afford to pay repair costs for their car without needing assistance from insurance. Insurance providers might charge a higher annual or monthly insurance fee than the other two main types of car insurance policy - 'fully comprehensive' and 'third-party, fire and theft' - because Third Party Only policies are typically designed for higher-risk drivers. However, because the risk costs are built into annual or monthly payments, you might not have to pay as much if you do claim than you would with other policy types.

What is covered by Third Party Only insurance?

If you have an accident while driving the car that's listed on your policy, third-party insurance covers you for:

  • Third-party injury to a passenger or a person in another car
  • Damage to another person's car
  • Damage to another person's property

What isn't covered by Third Party Only insurance?

If you have an accident and you cause damage to another person or their property while driving, your Third Party Only policy provider may not pay out if:

  • You have to pay any medical or legal costs for your injuries, including physiotherapy
  • Your car is damaged in an accident that you caused
  • Your car is stolen, damaged or destroyed by fire
  • You had an accident while driving a different car to the one that's listed on your policy
  • Your personal belongings are damaged
  • Your windscreen is damaged

You might be able to add extra levels of cover like the personal injury to your Third Party Only policy, so it's worthwhile working with a MotorHappy agent who will source a variety of quotes from South Africa's top insurance policies. Read each quote carefully to make sure you know what will and won't be covered - and to check if there's a possibility of getting enhanced third-party cover. Remember, MotorHappy is available to guide you through the entire process, helping you to weigh up which option is best for you.

6

Car Insurance Premiums & excess

Car insurance is one of the most important types of insurance you can have. More and more insurance companies have started offering great value for money, and once you understand Car Insurance Premiums and Excess, you will be armed with all the information to select the best insurance partner.

Find out more