3rd Party Car Insurance

Basic, Budget-Friendly Cover for South African Drivers

If you're looking for the most affordable car insurance option, third-party car insurance (also referred to as 3rd Party Only Insurance) offers essential protection at the lowest premium. It’s the minimum legal car insurance available in South Africa—and it could save you thousands in liability costs.

What is Third-Party Car Insurance?

Third-party car insurance protects you financially if you’re responsible for causing damage to someone else’s car or property. It does not cover your own vehicle if it’s damaged, stolen, or written off.

It covers:

• Damage to another driver’s car
• Damage to third-party property (like walls, gates, traffic lights)
• Legal liability for accidental injury to others

Why Choose Third-Party Insurance?

Third-party insurance is ideal if you're on a tight budget or driving a car with a low resale value. It gives you peace of mind knowing you won’t be personally liable for damage to someone else’s vehicle.

Key Benefits:

• Cheapest type of car insurance in South Africa
• Legal protection for damage you cause to others
• Avoid massive out-of-pocket expenses after an accident
• Fast approval and easy online sign-up

Who Should Consider Third-Party Cover?

This cover is suitable for:

• Older vehicles not worth repairing
• Students or first-time drivers
• Drivers who can self-fund their own vehicle repairs
• Anyone who wants legal protection at a low cost

If your vehicle is paid off or not worth much, this cover helps you stay road-legal while keeping costs down.

What’s NOT Covered?

• Damage to your own vehicle (accidents, scratches, etc.)
• Theft or hijacking
• Fire, hail, or natural disasters
• Windscreen or glass damage

For extra protection, consider upgrading to Third-Party, Fire and Theft or Comprehensive Car Insurance.

Third-Party Insurance in South Africa

In a country with thousands of road accidents each year, even minor accidents can cost tens of thousands of rand. Without third-party cover, you could be held personally liable for repairs to another person’s car.

This policy is the smart choice for:

• Budget-conscious drivers
• Cash-only vehicle owners
• Drivers who only need basic liability cover

Compare Third-Party Car Insurance Quotes

Use our free quote tool to compare third-party car insurance in South Africa. Get quotes from top local insurers and choose the most affordable cover for your needs.

Get Protected Today

Don’t risk it—get the basic legal protection you need with third-party insurance. It takes just 60 seconds to get started.

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