The types of car insurance


Understanding the different types of car insurance will help you decide what to get and what will best suit your needs and budget.

Unsure of the insurance jargon, or what vehicle cover to get? Here are the main types of vehicle insurance in South Africa to guide you along.

1 Comprehensive insurance

Comprehensive car insurance is the most extensive option available and covers your vehicle in the event of accidental damage, theft and hijacking. It also covers your car for damage caused by weather conditions such as storms and floods.

Comprehensive insurance also covers you if you are responsible for an accident and need to pay for the repair of damages to the other car.Owing to the extent of this cover, it is the most expensive kind of car insurance.

2 Third party, fire and theft cover

Also, known as limited liability, this kind of cover is similar to comprehensive, but it only offers third-party, theft and fire insurance, and not cover for accidental damage. This means that if your car is stolen, you’ll be covered, but if you hit another car in an accident, your own vehicle isn’t covered.

3 Third-party insurance

This kind of insurance will only cover the damage caused to another person’s car (who is the third party) in the event of an accident, as well as the costs associated with injuries or death of the third party in the accident. Your own vehicle is not covered at all in the event of accidental damage, theft and hijacking.

As it’s such a limited form of cover, it’s also the cheapest of all insurance options.

Read more:

Why car insurance should never be cut from your

Having car insurance is important – if you choose any of the above three options, you are covered to some extent. Having a service or maintenance is equally important because it helps you take care of your car in the long run. Click here to find out about MotorHappy’s products:

Service plan: Pays for recommended services by an approved facility.

Maintenance plan: Pays for everything included in the Service Plan, plus the replacement, maintenance or repair of specific wear-and-tear parts when necessary.

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